THFF vs TRST: stock comparison and AI forecast
First Financial Corp /In/ (THFF) and Trustco Bank Corp N Y (TRST) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
THFF First Financial Corp /In/
- Price
- $76.59 +13.7% · 6M
- Market Cap
- $911M
- P/E Ratio
- 10.0x
- Size
- small-cap
- AI Forecast
TRST Trustco Bank Corp N Y
- Price
- $56.54 +16.3% · 6M
- Market Cap
- $963M
- P/E Ratio
- 16.4x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- THFF and TRST have similar market capitalizations ($911M and $963M).
- THFF trades at 9.9 times trailing earnings, TRST at 16.4 times.
- Over the last six months TRST returned +16.3% and THFF +13.7%.
- TRST turns 33.4% of its revenue into net income, against 32.6% for THFF.
- TRST carries 8.95 times debt per unit of equity, against 8.18 times for THFF.
- THFF yields 2.86% in dividends and TRST 2.85%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | THFF | TRST |
|---|---|---|
| Market Cap | $911M | $963M |
| P/E Ratio | 9.95x | 16.43x |
| P/B Ratio | 1.38x | 1.47x |
| Dividend Yield | 2.86% | 2.85% |
| EPS | $7.70 | $3.44 |
| Book Value/Share | $55.54 | $38.53 |
| Revenue/Share | $23.55 | $11.44 |
| FCF/Share | $8.60 | $3.51 |
Profitability & Margins
| Metric | THFF | TRST |
|---|---|---|
| ROE | 13.8% | 9.9% |
| ROA | 1.5% | 1.0% |
| Net Margin | 32.6% | 33.4% |
| EBT Margin | 40.5% | 44.4% |
| Tax Rate | 19.5% | 24.8% |
Financial Health
| Metric | THFF | TRST |
|---|---|---|
| D/E Ratio | 8.18x | 8.95x |
| Financial Leverage | 9.18x | 9.95x |
Cash Flow
| Metric | THFF | TRST |
|---|---|---|
| Operating Cash Flow | $106M | $69M |
| Free Cash Flow | $102M | $60M |
| Capital Spending | -$4M | -$9M |
| OCF Growth YoY | 39.2% | 16.8% |
| FCF Growth YoY | 40.7% | 21.4% |
| FCF/Sales | 36.5% | 30.7% |
| CapEx/Sales | 1.5% | 4.8% |
Operational Efficiency
| Metric | THFF | TRST |
|---|---|---|
| Asset Turnover | 0.05x | 0.03x |
| Fixed Assets Turnover | 3.2x | 4.6x |
Income Statement
| Metric | THFF | TRST |
|---|---|---|
| Total Revenue | $280M | $195M |
| Net Income | $91M | $65M |
Dividend & Shareholder Information
| Metric | THFF | TRST |
|---|---|---|
| Dividends Per Share | $2.19 | $1.61 |
| Payout Ratio | 28.4% | 46.8% |
| Shares Outstanding | 12M | 17M |
| Net Income Growth | 23.6% | 21.7% |
| EPS Growth | 7.4% | 27.4% |
THFF vs TRST: stock comparison and AI forecast
Which is bigger, THFF or TRST?
THFF and TRST have similar market capitalizations ($911M and $963M).
Which is cheaper on earnings, THFF or TRST?
THFF trades at 9.9 times trailing earnings, TRST at 16.4 times.
Which stock performed better over the last six months, THFF or TRST?
Over the last six months TRST returned +16.3% and THFF +13.7%.
Which one does Intratio's AI model rank higher, THFF or TRST?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.