` Comparison: TRST vs MTG - Alpha Spread
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TRST
vs
MTG

Over the past 12 months, TRST has significantly outperformed MTG, delivering a return of +36% compared to the MTG's +8% growth.

Valuation Growth Profitability Solvency Stocks Performance
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TRST
MTG
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Stocks Compared:
TRST MTG
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Valuation Comparison

TRST Intrinsic Value
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MTG Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
TrustCo Bank Corp N Y
NASDAQ:TRST
45.72 USD
MGIC Investment Corp
NYSE:MTG
26.735 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TRST, MTG

TRST
MTG
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
TrustCo Bank Corp N Y
Revenue
MGIC Investment Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
TRST, MTG

TRST
MTG
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
TrustCo Bank Corp N Y
NASDAQ:TRST
FCF is not applicable for financial companies
MGIC Investment Corp
NYSE:MTG
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TRST
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Operating Margin

TRST
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Net Margin

TRST
32.5%
MTG
60.8%

FCF Margin

TRST
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROE

TRST
9%
MTG
14.3%

ROA

TRST
1%
MTG
11.2%

ROIC

TRST
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

ROCE

TRST
MTG
LTM 3Y Avg 5Y Avg 10Y Avg
TrustCo Bank Corp N Y
Not applicable for financial companies
MGIC Investment Corp
Not applicable for financial companies

Solvency Comparison

TrustCo Bank Corp N Y
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
MGIC Investment Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TRST, MTG

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MTG
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Performance Gap
TRST, MTG

Performance Gap Between TRST and MTG
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Performance By Year
TRST, MTG

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TRST
MTG
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