First Financial Corporation (THFF) vs TrustCo Bank Corp NY (TRST)
A side-by-side comparison of First Financial Corporation 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 — THFF vs TRST
growth of $100 · dividends reinvested · last 10yTHFF vs TRST: by the numbers
- •TRST is the larger company ($940M vs $883M market cap).
- •THFF trades at the lower trailing earnings multiple (10.40 vs 15.33 P/E), one valuation lens rather than an overall verdict.
- •TRST converts more revenue to profit (26.95% vs 25.60% net margin).
- •THFF grew revenue faster over the past five years (10.63% vs 5.00% CAGR).
- •THFF pays the higher dividend yield (3.00% vs 2.79%).
Metrics side by side
Valuation
| Metric | THFF | TRST |
|---|---|---|
| P/E ratio | 10.40 | 15.33 |
| Forward P/E | 9.53 | N/A |
| PEG ratio | 0.93 | 4.22 |
| P/S ratio | 2.67 | 3.89 |
| P/B ratio | 1.31 | 1.43 |
Profitability
| Metric | THFF | TRST |
|---|---|---|
| Operating margin | 28.51% | 29.18% |
| Net margin | 25.60% | 26.95% |
| ROE | 12.54% | 9.92% |
First Financial Corporation: 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 | THFF | TRST |
|---|---|---|
| Dividend yield | 3.00% | 2.79% |
| Payout ratio | 31.37% | 42.78% |
Growth (annualized)
| Metric | THFF | TRST |
|---|---|---|
| Revenue CAGR (5Y) | 10.63% | 5.00% |
| EPS CAGR (5Y) | 11.19% | 3.63% |
| Total return CAGR (5Y) | 15.77% | 15.54% |
Frequently asked
- Which has the lower trailing P/E, THFF or TRST?
- THFF has the lower trailing P/E: THFF trades at 10.40 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, THFF or TRST?
- Over the past five years, THFF grew revenue faster — THFF at a 10.63% CAGR versus TRST at 5.00%.
- Does THFF or TRST pay a bigger dividend?
- THFF yields 3.00% and TRST yields 2.79% based on trailing dividends and the latest price.
- Is THFF or TRST more profitable?
- TRST runs the higher net margin — THFF at 25.60% versus TRST at 26.95%.
- How have THFF and TRST total returns compared?
- Over the past 10 years, THFF delivered 9.87% and TRST delivered 8.76% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
First Financial & 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.