Comparing TrustCo Bank Corp NY (NASDAQ:TRST) & Auburn National Bancorporation (NASDAQ:AUBN)

TrustCo Bank Corp NY (NASDAQ:TRSTGet Free Report) and Auburn National Bancorporation (NASDAQ:AUBNGet Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, earnings, dividends and risk.

Institutional and Insider Ownership

68.6% of TrustCo Bank Corp NY shares are owned by institutional investors. Comparatively, 39.5% of Auburn National Bancorporation shares are owned by institutional investors. 3.3% of TrustCo Bank Corp NY shares are owned by insiders. Comparatively, 24.4% of Auburn National Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

TrustCo Bank Corp NY has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500. Comparatively, Auburn National Bancorporation has a beta of 0.51, suggesting that its share price is 49% less volatile than the S&P 500.

Valuation & Earnings

This table compares TrustCo Bank Corp NY and Auburn National Bancorporation’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TrustCo Bank Corp NY $244.52 million 2.12 $58.65 million $2.79 9.77
Auburn National Bancorporation $31.39 million 2.09 $1.39 million $0.23 81.65

TrustCo Bank Corp NY has higher revenue and earnings than Auburn National Bancorporation. TrustCo Bank Corp NY is trading at a lower price-to-earnings ratio than Auburn National Bancorporation, indicating that it is currently the more affordable of the two stocks.

Dividends

TrustCo Bank Corp NY pays an annual dividend of $1.44 per share and has a dividend yield of 5.3%. Auburn National Bancorporation pays an annual dividend of $1.08 per share and has a dividend yield of 5.8%. TrustCo Bank Corp NY pays out 51.6% of its earnings in the form of a dividend. Auburn National Bancorporation pays out 469.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. TrustCo Bank Corp NY has raised its dividend for 3 consecutive years and Auburn National Bancorporation has raised its dividend for 22 consecutive years. Auburn National Bancorporation is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares TrustCo Bank Corp NY and Auburn National Bancorporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TrustCo Bank Corp NY 21.17% 8.35% 0.87%
Auburn National Bancorporation 2.47% 1.13% 0.08%

Analyst Ratings

This is a summary of current ratings and target prices for TrustCo Bank Corp NY and Auburn National Bancorporation, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TrustCo Bank Corp NY 0 0 0 0 N/A
Auburn National Bancorporation 0 0 0 0 N/A

Summary

TrustCo Bank Corp NY beats Auburn National Bancorporation on 10 of the 14 factors compared between the two stocks.

About TrustCo Bank Corp NY

(Get Free Report)

TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals and businesses. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. It operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.

About Auburn National Bancorporation

(Get Free Report)

Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. The company offers checking, savings, and transaction deposit accounts, as well as certificates of deposit. It also provides commercial, financial, agricultural, real estate construction, and consumer loan products; and other financial services. In addition, the company offers automated teller services; debit cards; online banking, bill payment, and other electronic banking services; and safe deposit boxes. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.

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