TrustCo Bank Corp NY (NASDAQ:TRST – Get Free Report) and Fulton Financial (NASDAQ:FULTP – Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, risk, profitability, institutional ownership, valuation and analyst recommendations.
Profitability
This table compares TrustCo Bank Corp NY and Fulton Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| TrustCo Bank Corp NY | 22.76% | 9.62% | 1.01% |
| Fulton Financial | N/A | N/A | N/A |
Institutional and Insider Ownership
68.6% of TrustCo Bank Corp NY shares are held by institutional investors. 3.4% of TrustCo Bank Corp NY shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Dividends
Analyst Ratings
This is a breakdown of recent ratings and target prices for TrustCo Bank Corp NY and Fulton Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| TrustCo Bank Corp NY | 0 | 0 | 1 | 0 | 3.00 |
| Fulton Financial | 0 | 0 | 0 | 0 | 0.00 |
Valuation and Earnings
This table compares TrustCo Bank Corp NY and Fulton Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| TrustCo Bank Corp NY | $197.02 million | 4.96 | $61.14 million | $3.60 | 15.93 |
| Fulton Financial | $1.37 billion | N/A | N/A | N/A | N/A |
TrustCo Bank Corp NY has higher earnings, but lower revenue than Fulton Financial.
Summary
TrustCo Bank Corp NY beats Fulton Financial on 7 of the 10 factors compared between the two stocks.
About TrustCo Bank Corp NY
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 Fulton Financial
Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services in Pennsylvania, Delaware, Maryland, New Jersey, and Virginia. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company offers consumer loans products, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center offices, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.
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