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EIG vs TRST

EIG
Employers Holdings, Inc.
BEARISH
Price
$41.86
Market Cap
$815.5M
Sector
Financial Services
AI Confidence
85%
TRST
TrustCo Bank Corp NY
NEUTRAL
Price
$46.61
Market Cap
$825.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
EIG
91.0
TRST
14.34
Forward P/E
EIG
16.86
TRST
16.24
P/B Ratio
EIG
0.89
TRST
1.22
P/S Ratio
EIG
0.95
TRST
4.43
EV/EBITDA
EIG
39.8
TRST
--

Profitability

Gross Margin
EIG
1.58%
TRST
0.0%
Operating Margin
EIG
-17.24%
TRST
46.79%
Profit Margin
EIG
1.26%
TRST
32.81%
ROE
EIG
1.07%
TRST
8.97%
ROA
EIG
0.24%
TRST
0.96%

Growth

Revenue Growth
EIG
-21.3%
TRST
11.3%
Earnings Growth
EIG
--
TRST
41.7%

Financial Health

Debt/Equity
EIG
0.04
TRST
--
Current Ratio
EIG
0.45
TRST
--
Quick Ratio
EIG
0.26
TRST
--

Dividends

Dividend Yield
EIG
3.06%
TRST
3.26%
Payout Ratio
EIG
273.91%
TRST
45.54%

AI Verdict

EIG BEARISH

EIG presents a precarious financial profile characterized by a stable but mediocre Piotroski F-Score of 4/9 and a significant valuation gap, with the current price ($41.86) trading well above the Graham Number ($22.05) and Intrinsic Value ($3.22). While the company maintains a very low debt-to-equity ratio, it is plagued by sharply negative revenue growth (-21.30%) and an unsustainable dividend payout ratio of 273.91%. The combination of bearish insider selling, a 0/100 technical trend, and poor liquidity (Current Ratio 0.45) outweighs the optimistic analyst target price.

Strengths
Very low Debt/Equity ratio (0.04)
Price-to-Book ratio below 1.0 (0.89)
Positive 5-year price change (+25.5%)
Risks
Unsustainable dividend payout ratio (273.91%)
Significant negative revenue growth (-21.30% YoY)
Poor short-term liquidity (Current Ratio 0.45, Quick Ratio 0.26)
TRST NEUTRAL

TRST presents a stark contrast between deep fundamental value and deteriorating operational health, highlighted by a weak Piotroski F-Score of 3/9. While the stock is significantly undervalued relative to its Graham Number ($52.77) and Intrinsic Value ($95.88), the low health score and a very bearish technical trend (10/100) suggest significant headwinds. Strong earnings growth (41.7% YoY) and a low PEG ratio (0.63) provide a bullish growth narrative, but these are offset by poor insider sentiment and operational red flags.

Strengths
Significant undervaluation relative to Graham Number ($52.77) and Intrinsic Value ($95.88)
Strong earnings growth profile with 41.7% YoY increase
Attractive PEG ratio of 0.63, suggesting growth is not yet priced in
Risks
Weak operational health indicated by a Piotroski F-Score of 3/9
Severe bearish technical trend (10/100) despite long-term price gains
High concentration in residential mortgage loans increasing credit risk

Compare Another Pair

EIG vs TRST: Head-to-Head Comparison

This page compares Employers Holdings, Inc. (EIG) and TrustCo Bank Corp NY (TRST) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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