First Community Bancshares, Inc. (FCBC) vs TrustCo Bank Corp NY (TRST)

First Community Bancshares, Inc. and TrustCo Bank Corp NY are both Banks Regional companies. First Community Bancshares, Inc. and TrustCo Bank Corp NY are of similar size ($919.8M and $911.3M). TrustCo Bank Corp NY trades at the lower P/E: 15.0× against 15.3×. First Community Bancshares, Inc. grew revenue faster over the last twelve months: 10.9% against 6.12%. First Community Bancshares, Inc. has the higher net margin (28.8% vs 22.8%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; TrustCo Bank Corp NY yields more (2.84% vs 2.58%). Across the 17 metrics below, TrustCo Bank Corp NY leads on 10 and First Community Bancshares, Inc. on 7.

Valuation

Metric FCBC TRST Banks Regional median
P/E 15.35 15.04 11.98
P/S 4.48 3.29 2.34
P/B 1.71 1.43 1.19
Price to free cash flow 20.89 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.52% 6.65% 8.23%
Free cash flow yield 4.79% 6.37% 9.08%

Profitability

Metric FCBC TRST Banks Regional median
Gross margin 91.46% 68.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.84% 22.76% 18.66%
Free cash flow margin 21.46% 20.92% 21.11%
Return on equity 11.38% 9.65% 10.65%
Return on assets 1.75% 1.01% 1.13%
Return on invested capital 0.00% 0.00% 8.35%

Growth

Metric FCBC TRST Banks Regional median
Revenue growth (TTM) 10.93% 6.12% 6.98%
EPS growth (last fiscal year) (5.36%) 26.46% 18.88%
Revenue growth, 5-year CAGR 5.21% 7.33% 12.38%
Net income growth, 5-year CAGR 6.31% 3.11% 9.71%

Health

Metric FCBC TRST Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 1.00 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCBC TRST Banks Regional median
Dividend yield 2.58% 2.84% 2.57%
Payout ratio 0.40 0.43 0.30

Size

Metric FCBC TRST Banks Regional median
Market cap 911.29m 919.83m 913.33m

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