Camden National Corp. (CAC) vs TrustCo Bank Corp NY (TRST)
A side-by-side comparison of Camden National Corp. and TrustCo Bank Corp NY across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CAC vs TRST
growth of $100 · dividends reinvested · last 10yCAC vs TRST: by the numbers
- •CAC is the larger company ($955M vs $940M market cap).
- •CAC trades at the lower trailing earnings multiple (10.82 vs 15.33 P/E), one valuation lens rather than an overall verdict.
- •TRST converts more revenue to profit (26.95% vs 25.61% net margin).
- •CAC grew revenue faster over the past five years (11.71% vs 5.00% CAGR).
- •CAC pays the higher dividend yield (2.95% vs 2.79%).
Metrics side by side
Valuation
| Metric | CAC | TRST |
|---|---|---|
| P/E ratio | 10.82 | 15.33 |
| Forward P/E | 10.48 | N/A |
| PEG ratio | N/A | 4.22 |
| P/S ratio | 2.76 | 3.89 |
| P/B ratio | 1.32 | 1.43 |
Profitability
| Metric | CAC | TRST |
|---|---|---|
| Operating margin | 25.61% | 29.18% |
| Net margin | 25.61% | 26.95% |
| ROE | 12.21% | 9.92% |
Camden National Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
TrustCo Bank Corp NY: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CAC | TRST |
|---|---|---|
| Dividend yield | 2.95% | 2.79% |
| Payout ratio | 32.18% | 42.78% |
Growth (annualized)
| Metric | CAC | TRST |
|---|---|---|
| Revenue CAGR (5Y) | 11.71% | 5.00% |
| EPS CAGR (5Y) | -0.56% | 3.63% |
| Total return CAGR (5Y) | 7.59% | 15.54% |
Frequently asked
- Which has the lower trailing P/E, CAC or TRST?
- CAC has the lower trailing P/E: CAC trades at 10.82 and TRST at 15.33. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CAC or TRST?
- Over the past five years, CAC grew revenue faster — CAC at a 11.71% CAGR versus TRST at 5.00%.
- Does CAC or TRST pay a bigger dividend?
- CAC yields 2.95% and TRST yields 2.79% based on trailing dividends and the latest price.
- Is CAC or TRST more profitable?
- TRST runs the higher net margin — CAC at 25.61% versus TRST at 26.95%.
- How have CAC and TRST total returns compared?
- Over the past 10 years, CAC delivered 10.34% and TRST delivered 8.76% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Camden National & TrustCo Bank Corp NY appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.