FFIC vs TRST

For growth investors, Flushing Financial Corporation (FFIC) is the stronger pick with 11.

1% revenue growth year-over-year, versus 5. 8% for TrustCo Bank Corp NY (TRST). TrustCo Bank Corp NY (TRST) offers the better valuation at 15. 0x trailing P/E (16. 9x forward), making it the more compelling value choice. Analysts rate Flushing Financial Corporation (FFIC) a "Hold" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, TrustCo Bank Corp NY (TRST) is the cheapest at 15.

0x versus Flushing Financial Corporation at 29. 9x. On forward P/E, Flushing Financial Corporation is actually cheaper at 11. 5x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, TrustCo Bank Corp NY (TRST) delivered a total return of +47.

8%, compared to -14. 0% for Flushing Financial Corporation (FFIC). Over 10 years, the gap is even starker: TRST returned +96. 9% versus FFIC's +25. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), TrustCo Bank Corp NY (TRST) is the lower-risk stock at 0.

75β versus Flushing Financial Corporation's 1. 08β — meaning FFIC is approximately 43% more volatile than TRST relative to the S&P 500. On balance sheet safety, TrustCo Bank Corp NY (TRST) carries a lower debt/equity ratio of 28% versus 84% for Flushing Financial Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Flushing Financial Corporation (FFIC) is pulling ahead at 11.

1% versus 5. 8% for TrustCo Bank Corp NY (TRST). On earnings-per-share growth, the picture is similar: Flushing Financial Corporation grew EPS 151. 4% year-over-year, compared to 26. 5% for TrustCo Bank Corp NY. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

TrustCo Bank Corp NY (TRST) is the more profitable company, earning 22.

0% net margin versus 4. 2% for Flushing Financial Corporation — meaning it keeps 22. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TRST leads at 29. 2% versus 7. 6% for FFIC. At the gross margin level — before operating expenses — TRST leads at 67. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Flushing Financial Corporation (FFIC) trades at 11.

5x forward P/E versus 16. 9x for TrustCo Bank Corp NY — 5. 5x cheaper on a one-year earnings basis.

All stocks in this comparison pay dividends.

Flushing Financial Corporation (FFIC) offers the highest yield at 5. 4%, versus 3. 1% for TrustCo Bank Corp NY (TRST).

For long-horizon retirement investors, TrustCo Bank Corp NY (TRST) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

75), 3. 1% yield). Both have compounded well over 10 years (TRST: +96. 9%, FFIC: +25. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: FFIC is a small-cap income-oriented stock; TRST is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.