COMP <GO>
TRST vs THFF // EV/EBITDA & P/E VALUATION
TrustCo Bank Corp NY (NASDAQ) VS. First Financial Corporation (NASDAQ) • 15-METRIC TALLY: TRST 3
— THFF 4
■ METRIC PARITY
LAST: $56.87 (+0.30%) • MKT CAP: $968.4M
valuation
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LAST: $77.50 (+0.87%) • MKT CAP: $921.6M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRST VS. THFF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRST | THFF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 12.20% | -3.30 | THFF | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.72% | 9.38% | -4.66 | THFF | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.85% | 2.62% | +0.23 | TRST | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | THFF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.4 | 54.6 | +0.80 | TRST | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 10.8x | +3.90 | THFF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $968.4M | $921.6M | $46.7M | TRST | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRST REV | THFF REV | TRST GROSS % | THFF GROSS % | TRST FCF | THFF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $45.7M | $86.4M |
| FY 2024 | $0 | $0 | — | — | $54.6M | $54.3M |
| FY 2023 | $0 | $0 | — | — | $64.1M | $86.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRST // BETA —
THFF // BETA —