Mid Penn Bancorp, Inc. (MPB) vs TrustCo Bank Corp NY (TRST)
A side-by-side comparison of Mid Penn Bancorp, Inc. 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 — MPB vs TRST
growth of $100 · dividends reinvested · last 10yMPB vs TRST: by the numbers
- •TRST is the larger company ($940M vs $921M market cap).
- •MPB trades at the lower trailing earnings multiple (11.79 vs 15.33 P/E), one valuation lens rather than an overall verdict.
- •TRST converts more revenue to profit (26.95% vs 18.36% net margin).
- •MPB grew revenue faster over the past five years (22.22% vs 5.00% CAGR).
- •TRST pays the higher dividend yield (2.79% vs 2.56%).
Metrics side by side
Valuation
| Metric | MPB | TRST |
|---|---|---|
| P/E ratio | 11.79 | 15.33 |
| Forward P/E | 10.85 | N/A |
| PEG ratio | N/A | 4.22 |
| P/S ratio | 2.48 | 3.89 |
| P/B ratio | 1.02 | 1.43 |
Profitability
| Metric | MPB | TRST |
|---|---|---|
| Operating margin | 24.07% | 29.18% |
| Net margin | 18.36% | 26.95% |
| ROE | 7.56% | 9.92% |
Mid Penn Bancorp, Inc.: 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 | MPB | TRST |
|---|---|---|
| Dividend yield | 2.56% | 2.79% |
| Payout ratio | 30.52% | 42.78% |
Growth (annualized)
| Metric | MPB | TRST |
|---|---|---|
| Revenue CAGR (5Y) | 22.22% | 5.00% |
| EPS CAGR (5Y) | -3.59% | 3.63% |
| Total return CAGR (5Y) | 8.73% | 15.54% |
Frequently asked
- Which has the lower trailing P/E, MPB or TRST?
- MPB has the lower trailing P/E: MPB trades at 11.79 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, MPB or TRST?
- Over the past five years, MPB grew revenue faster — MPB at a 22.22% CAGR versus TRST at 5.00%.
- Does MPB or TRST pay a bigger dividend?
- MPB yields 2.56% and TRST yields 2.79% based on trailing dividends and the latest price.
- Is MPB or TRST more profitable?
- TRST runs the higher net margin — MPB at 18.36% versus TRST at 26.95%.
- How have MPB and TRST total returns compared?
- Over the past 10 years, MPB delivered 10.14% and TRST delivered 8.76% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Mid Penn Bancorp & 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.