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Mid Penn Bancorp (MPB) vs TrustCo Bank Corp NY (TRST)

Mid Penn Bancorp and TrustCo Bank Corp NY are both Banks Regional companies. Mid Penn Bancorp and TrustCo Bank Corp NY are of similar size ($919.8M and $911.3M). Mid Penn Bancorp trades at the lower P/E: 12.6× against 15.0×. Mid Penn Bancorp grew revenue faster over the last twelve months: 20.7% against 6.12%. TrustCo Bank Corp NY has the higher net margin (22.8% vs 17.6%) and the lower return on invested capital (0.00% vs 7.59%). Both pay a dividend; TrustCo Bank Corp NY yields more (2.84% vs 2.47%). Across the 19 metrics below, Mid Penn Bancorp leads on 11 and TrustCo Bank Corp NY on 8.

Valuation

Metric MPB TRST Banks Regional median
P/E 12.60 15.04 11.98
P/S 2.35 3.29 2.34
P/B 1.01 1.43 1.19
Price to free cash flow 12.01 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.94% 6.65% 8.23%
Free cash flow yield 8.33% 6.37% 9.08%

Profitability

Metric MPB TRST Banks Regional median
Gross margin 68.14% 68.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.55% 22.76% 18.66%
Free cash flow margin 19.58% 20.92% 21.11%
Return on equity 8.12% 9.65% 10.65%
Return on assets 1.02% 1.01% 1.13%
Return on invested capital 7.59% 0.00% 8.35%

Growth

Metric MPB TRST Banks Regional median
Revenue growth (TTM) 20.72% 6.12% 6.98%
EPS growth (last fiscal year) (12.07%) 26.46% 18.88%
Revenue growth, 5-year CAGR 22.74% 7.33% 12.38%
Net income growth, 5-year CAGR 16.50% 3.11% 9.71%

Health

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

Dividend

Metric MPB TRST Banks Regional median
Dividend yield 2.47% 2.84% 2.57%
Payout ratio 0.31 0.43 0.30

Size

Metric MPB TRST Banks Regional median
Market cap 911.31m 919.83m 913.33m

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