Horizon Bancorp (IN) (HBNC) vs TrustCo Bank Corp NY (TRST)
Horizon Bancorp (IN) and TrustCo Bank Corp NY are both Banks Regional companies. Horizon Bancorp (IN) and TrustCo Bank Corp NY are of similar size ($986.8M and $958.7M). Horizon Bancorp (IN) has negative trailing earnings, so its P/E is not meaningful; TrustCo Bank Corp NY trades at 15.6×. TrustCo Bank Corp NY grew revenue faster over the last twelve months: 6.12% against −74.2%. TrustCo Bank Corp NY has the higher net margin (22.8% vs −149.0%) and the higher return on invested capital (0.00% vs −17.9%). Both pay a dividend; Horizon Bancorp (IN) yields more (5.37% vs 5.29%). Across the 19 metrics below, TrustCo Bank Corp NY leads on 14 and Horizon Bancorp (IN) on 5.
Valuation
Profitability
| Metric | HBNC | TRST | Banks Regional median |
|---|---|---|---|
| Gross margin | (13.47%) | 68.91% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (148.95%) | 22.76% | 18.66% |
| Free cash flow margin | 97.31% | 20.92% | 21.18% |
| Return on equity | (18.98%) | 9.65% | 10.64% |
| Return on assets | (2.02%) | 1.01% | 1.13% |
| Return on invested capital | (17.93%) | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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