BAC
Bank of America Corporation
BAC has the edge over TRST overall, supported by stronger valuation and stronger modeled upside.
TRST
TrustCo Bank Corp NY
TRST trails on the overall score without a compensating advantage in the available component scores.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
TRST Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TRST's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRST.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC has the edge over TRST in the historical PE scenario, which offers more potential upside but is not a forecast.
TRST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $33.26 | -42% |
| Fair | 11x | $42.22 | -27% |
| Expensive | 14x | $52.94 | -8.2% |
| Current | 15x | $57.66 | — |
Historical ranges are pointers, not guarantees.
TRST's PE is in its expensive range at 15x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
TRST Forward outlook
There aren't enough analyst estimates for TRST to show an outlook.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
TRST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.76 | +26% |
| Q2 2026 | $3.60 | +28% |
| Q1 2026 | $3.41 | +27% |
| Q4 2025 | $3.25 | +26% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.81 | +8.5% |
| Q1 2025 | $2.68 | -3.9% |
| Q4 2024 | $2.57 | -17% |
TRST earned $3.76 per share over the past year, up 26% from the year before.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over TRST on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
TRST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $51.9M | +8.5% |
| Q2 2026 | $51.5M | +11% |
| Q1 2026 | $49.5M | +9.3% |
| Q4 2025 | $48.2M | +11% |
| Q3 2025 | $47.8M | +9.6% |
| Q2 2025 | $46.6M | +7.3% |
| Q1 2025 | $45.3M | +9.5% |
| Q4 2024 | $43.3M | +0.5% |
TRST's revenue has grown year over year for eight quarters in a row: $52M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -0.3 points |
| Q2 2026 | 44% | +1.4 points |
| Q1 2026 | 44% | +2.4 points |
| Q4 2025 | 44% | +9.7 points |
| Q3 2025 | 45% | +5.8 points |
| Q2 2025 | 42% | +4.4 points |
| Q1 2025 | 41% | +2.9 points |
| Q4 2024 | 34% | +4.1 points |
TRST has the edge over BAC on profitability, with a higher operating margin.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
TRST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $19.3M | +93% |
| Q2 2026 | $25.5M | +2.3% |
| Q1 2026 | $10.2M | +$13.4M |
| Q4 2025 | $14.1M | +17% |
| Q3 2025 | $10M | -36% |
| Q2 2025 | $24.9M | +42% |
| Q1 2025 | -$3.3M | -135% |
| Q4 2024 | $12M | -19% |
TRST has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
TRST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -447K shares |
| 1 year | -9.9% | -1.9M shares |
| 3 years | -11% | -2.1M shares |
| 5 years | -12% | -2.3M shares |
| Available history | -13% | -2.4M shares |
TRST has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $29M |
| Q2 2026 | $24.6M |
| Q1 2026 | $23.9M |
| Q4 2025 | $21.3M |
| Q3 2025 | $11.5M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
TRST spent $99M buying back its own shares over the past year.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
TRST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.4x | Net Cash |
| Q1 2026 | -7.4x | Net Cash |
| Q4 2025 | -7.1x | Net Cash |
| Q3 2025 | -7.5x | Net Cash |
| Q2 2025 | -8.4x | Net Cash |
| Q1 2025 | -9.4x | Net Cash |
| Q4 2024 | -8.1x | Net Cash |
TRST has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
TRST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.8 | Neutral |
| Stochastic | 61.3 | Neutral |
TRST's weekly RSI is 63 (neutral) and its Stochastic is 61 (neutral).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC has the edge over TRST on valuation relative to its sector.
TRST PE vs Financial Services Sector
| Metric | TRST | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 18% above |
| PE % | 95 | 63 | 32 pts above |
TRST is trading at 15x earnings, a 18% premium to the Financial Services sector's median of 13x.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
TRST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $55.8 | 3.3% above |
| 20 week MA | $56.2 | 2.6% above |
| 50 week MA | $50.2 | 15% above |
| 100 week MA | $42.1 | 37% above |
| 200 week MA | $36.3 | 59% above |
TRST has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.
TRST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.5 | $33.0 | -24% |
| 2021 | $33.0 | $32.9 | -0.2% |
| 2022 | $32.9 | $37.6 | +14% |
| 2023 | $37.6 | $31.1 | -17% |
| 2024 | $31.1 | $33.4 | +7.6% |
| 2025 | $33.4 | $42.6 | +27% |
| 2026 YTD | $42.6 | $57.7 | +35% |
TRST has the edge over BAC on returns for 2026, with the stronger performance.