First Citizens BancShares (FCNCA) and TrustCo Bank Corp NY (TRST) Head-To-Head Survey
First Citizens BancShares (NASDAQ: FCNCA) and TrustCo Bank Corp NY (NASDAQ:TRST) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, institutional ownership, dividends, profitability and risk.
Risk and Volatility
First Citizens BancShares has a beta of 1.15, meaning that its stock price is 15% more volatile than the S&P 500. Comparatively, TrustCo Bank Corp NY has a beta of 1.19, meaning that its stock price is 19% more volatile than the S&P 500.
This table compares First Citizens BancShares and TrustCo Bank Corp NY’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Citizens BancShares||20.60%||10.17%||0.94%|
|TrustCo Bank Corp NY||25.16%||10.51%||0.95%|
Valuation and Earnings
This table compares First Citizens BancShares and TrustCo Bank Corp NY’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Citizens BancShares||$1.47 billion||3.38||$225.48 million||$26.81||15.44|
|TrustCo Bank Corp NY||$180.37 million||4.66||$42.60 million||$0.48||18.23|
First Citizens BancShares has higher revenue and earnings than TrustCo Bank Corp NY. First Citizens BancShares is trading at a lower price-to-earnings ratio than TrustCo Bank Corp NY, indicating that it is currently the more affordable of the two stocks.
This is a breakdown of recent ratings for First Citizens BancShares and TrustCo Bank Corp NY, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Citizens BancShares||0||0||0||0||N/A|
|TrustCo Bank Corp NY||0||2||0||0||2.00|
TrustCo Bank Corp NY has a consensus target price of $9.75, indicating a potential upside of 11.43%. Given TrustCo Bank Corp NY’s higher possible upside, analysts plainly believe TrustCo Bank Corp NY is more favorable than First Citizens BancShares.
Insider and Institutional Ownership
44.8% of First Citizens BancShares shares are owned by institutional investors. Comparatively, 58.7% of TrustCo Bank Corp NY shares are owned by institutional investors. 19.4% of First Citizens BancShares shares are owned by company insiders. Comparatively, 0.2% of TrustCo Bank Corp NY shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
First Citizens BancShares pays an annual dividend of $1.40 per share and has a dividend yield of 0.3%. TrustCo Bank Corp NY pays an annual dividend of $0.26 per share and has a dividend yield of 3.0%. First Citizens BancShares pays out 5.2% of its earnings in the form of a dividend. TrustCo Bank Corp NY pays out 54.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
TrustCo Bank Corp NY beats First Citizens BancShares on 9 of the 14 factors compared between the two stocks.
First Citizens BancShares Company Profile
First Citizens BancShares, Inc. (BancShares) is a holding company of First-Citizens Bank & Trust Company (FCB). As of December 31, 2016, BancShares operated in 21 states providing a range of financial services to individuals, businesses and professionals. FCB offers a range of retail and commercial banking services. Its loan services include various types of commercial, business and consumer lending. Its deposit services include checking, savings, money market and time deposit accounts. FCB also provides mortgage lending, a full-service trust department, wealth management services for businesses and individuals and other activities incidental to commercial banking. FCB’s subsidiaries, First Citizens Investor Services, Inc. and First Citizens Asset Management, Inc., provide various investment products, including annuities, discount brokerage services and third-party mutual funds to customers primarily through the bank’s branch network, as well as investment advisory services.
TrustCo Bank Corp NY Company Profile
TrustCo Bank Corp NY is a savings and loan holding company. The Company’s principal subsidiary is Trustco Bank (the Bank). The Bank is a federal savings bank engaged in providing general banking services to individuals, partnerships and corporations. It operates through community banking segment. The Bank’s business consists of accepting deposits and making loans and investments. The Bank provides both personal and business banking services. The Bank’s subsidiary, Trustco Realty Corp., is a real estate investment trust (REIT) formed to acquire, hold and manage real estate mortgage assets, including residential mortgage loans and mortgage backed securities. The Bank’s trust department operates under the name, Trustco Financial Services, and serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, and provides estate planning and related advice, provides custodial services.
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