TrustCo Bank Corp NY TRST

56.20 (0.10) (0.18%) as of 25 Sep
Market cap
$958.7M
P/E
15.6×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.08
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — 1 1 — 1 — 1 1
Sell — — — — — — — — — — — —
Insider Ownership 5.17%

Capital & Financial Ratios

Market Cap 958.66
Revenue 285.93
Net Income 65.07
Free Cash Flow 59.83
Net Debt (696.64)
Current Ratio 1.03
Debt/Equity 0.00
P/E ratio 15.57
P/S ratio 3.40
P/B ratio 1.48
Past 5Y EPS Growth (2.98%)
This Y EPS Growth (22.73%)
Next Y EPS Growth 20.59%
Next 5Y EPS Growth 5.00%
in millions of $

Dividends

Payout Ratio 0.37
Annual Dividend Rate 1.44
Annual Dividend Yield 5.29%
total individual payouts
2026 1.16
0.38
0.38
0.40
2025 1.48
0.36
0.36
0.38
0.38
2024 1.44
0.36
0.36
0.36
0.36
2023 1.44
0.36
0.36
0.36
0.36
2022 1.41
0.35
0.35
0.35
0.36
2021 1.37
0.34
0.34
0.34
0.35
2020 1.36
0.34
0.34
0.34
0.34
2019 1.36
0.34
0.34
0.34
0.34
2018 1.34
0.33
0.33
0.34
0.34
2017 1.31
0.33
0.33
0.33
0.33
2016 1.31
0.33
0.33
0.33
0.33
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 578 642 730 697
Receivables — — — —
Inventory — — — —
Other — — — —
5,532 5,690 5,931 6,020
2023 2024 2025 Q'26
Payables 5,351 5,391 5,557 5,682
ST’ Debt — — — —
Other — — — —
5,478 5,522 5,718 5,833
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 4.62% 7.33% 10.58%
Cash Flow (0.41%) (1.51%) (9.85%)
Earnings 3.77% 3.11% (6.68%)
Book Value 5.21% 3.86% 4.60%

Revenue

Mar Jun Sep Dec Year
’26 71 74 — — —
’25 68 69 71 71 278
’24 65 66 66 66 263
’23 59 61 62 63 245
’22 46 49 53 57 206
’21 47 47 46 46 186
’20 52 48 48 47 195
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 12 28 — — —
’25 1 27 13 16 58
’24 10 19 16 14 59
’23 19 16 12 18 64
’22 11 22 23 23 79
’21 9 19 16 11 55
’20 15 14 20 14 62
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 10 26 — — —
’25 (3) 25 10 14 46
’24 9 18 16 13 55
’23 18 15 11 15 58
’22 11 21 22 21 75
’21 8 18 16 10 53
’20 14 13 18 13 58
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.91 0.98 — — —
’25 0.75 0.79 0.86 0.85 3.25
’24 0.64 0.66 0.68 0.59 2.57
’23 0.93 0.86 0.77 0.52 3.08
’22 0.89 0.93 1.01 1.10 3.93
’21 0.75 0.75 0.87 0.85 3.19
’20 0.70 0.60 0.75 0.70 2.70
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

5
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
25.85 36.25 32.55 33.85 21.50 29.78 29.50 23.78 25.83 27.18

Analyst estimates 2026–2028

Powerpack
Low Price
44.25 48.50 47.25 45.50 43.85 41.47 39.36 38.81 38.89 45.27
High Price
808 846 854 814 778 844 818 750 791 819
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
180 187 199 211 195 186 206 245 263 278
Revenue
91.52% 92.21% 89.83% 82.76% 87.36% 95.93% 96.86% 77.77% 65.28% 67.51%
Gross Margin
68 77 80 77 69 82 99 78 64 81
EBT
37.86% 40.97% 40.03% 36.31% 35.53% 44.18% 48.29% 31.74% 24.34% 29.03%
EBT Margin
43 43 61 58 52 62 75 59 49 61
Net Income
9 8 7 7 8 8 6 6 6 6
Depreciation
9.44 9.75 10.31 10.88 10.13 9.65 10.76 12.85 13.84 14.84
Revenue/Sh
2.25 2.25 3.20 3.00 2.70 3.19 3.93 3.08 2.57 3.26
Earnings/Sh
2.87 3.21 3.50 3.29 3.22 2.87 4.11 3.37 3.13 3.07
Cash Flow/Sh
(0.07) (0.18) (0.19) (0.20) (0.20) (0.15) (0.17) (0.30) (0.22) (0.63)
Capex/Sh
2.80 3.02 3.32 3.09 3.02 2.73 3.94 3.07 2.91 2.44
Free CF/Sh
22.64 23.84 25.38 27.79 29.44 31.21 31.36 33.92 35.56 36.61
Book Value/Sh
19 19 19 19 19 19 19 19 19 19
Shares
20.11 19.78 10.72 14.69 12.13 10.34 9.62 10.13 12.96 12.68
PE Ratio
4.69 4.57 3.33 3.98 3.29 3.45 3.51 2.43 2.41 2.78
PS Ratio
1.95 1.87 1.35 1.56 1.13 1.07 1.21 0.92 0.94 1.13
PB Ratio
0.77 1.30 0.80 1.82 (2.37) (3.11) 0.35 0.06 (0.03) 0.16
EV/Sales
2.58 4.17 2.47 6.39 (7.94) (11.00) 0.96 0.26 (0.15) 0.98
EV/FCF
55 62 68 64 62 55 79 64 59 58
Op' Cash Flow
(1) (4) (4) (4) (4) (3) (3) (6) (4) (12)
Capex
54 58 64 60 58 53 75 58 55 46
FCF
(342) (245) (136) (152) 21 71 (13) 54 167 213
Working Cap'
209 243 162 206 268 298 172 — — —
Total Debt
(707) (613) (504) (457) (1,107) (1,219) (651) (578) (642) (730)
Net Debt
433 458 490 538 568 601 600 645 676 687
Sh' Equity
0.89% 0.88% 1.25% 1.14% 0.94% 1.02% 1.23% 0.96% 0.79% 0.96%
ROA
0.00% 0.00% 0.00% 58.74% 0.00% 0.00% 0.00% 72.10% 115.92% 0.00%
ROIC
10.07% 9.68% 12.96% 11.25% 9.48% 10.52% 12.53% 9.42% 7.39% 8.97%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

TrustCo Bank Corp NY peers in Banks Regional

All 325 Banks Regional stocks →

TrustCo Bank Corp NY (TRST) key facts

  • TrustCo Bank Corp NY (TRST) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • TrustCo Bank Corp NY’s revenue for fiscal 2025 (year ended December 2025) was $278.4 million, up 5.78% from fiscal 2024.
  • Net income was $61.1 million, or $3.26 per share (basic), a net margin of 22.0%.
  • As of September 25, 2026, TRST traded at $56.20, a market capitalization of $958.7 million.
  • At that price the stock trades at 15.6× trailing-twelve-month earnings and 3.4× sales.
  • TrustCo Bank Corp NY pays an annual dividend of $1.44 per share, a yield of 5.29%, with a payout ratio of 36.7%.
  • Return on equity was 8.97% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

TrustCo Bank Corp NY (TRST) Latest News

News by impact score

Fine-tune

22 Jul

3

Trustco Bank Corp N Y posted strong net income growth in Q2 2026 earnings call highlights. Strong net income growth signals improved quarterly financial performance with moderate effects on market sentiment.

3

TrustCo Bank Corp NY Q2 earnings call highlighted financial results, operational metrics, and forward outlook for the company. Q2 earnings data directly informs near-term performance expectations and investor positioning for TRST.

3 transcript

TrustCo Bank Corp NY (TRST) held its Q2 2026 earnings call covering quarterly financial results and performance metrics. Quarterly earnings data directly informs near-term valuation and investor sentiment for TRST.

23 Apr

4

TrustCo Bank Corp NY released Q1 earnings call highlights detailing financial performance, loan growth, deposit trends, net interest margin, and future outlook amid economic conditions. Q1 earnings highlights disclose financial results and guidance that significantly influence stock performance and investor sentiment.

4

TrustCo Bank Corp NY (TRST) delivered strong financial performance in Q1 2026 earnings call, highlighting robust results amid positive operational metrics. Strong Q1 2026 earnings performance indicates significant positive momentum for TRST's financial trajectory and investor sentiment.

22 Apr

4

TrustCo Bank Corp NY issued Q1 2026 earnings call summary detailing financial results, performance metrics, and forward guidance. Q1 2026 earnings call summary reveals financial health and strategic outlook, significantly influencing TRST stock performance and investor sentiment.

22 Jan

4 transcript

TrustCo Bank Corp NY (TRST) reported strong net income growth in its Q4 2025 earnings call, highlighting significant financial performance improvements and strategic initiatives that contributed to its success. The bank's focus on enhancing operational efficiency and expanding its customer base has positioned it favorably in the competitive landscape. Strong net income growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4 transcript

TrustCo Bank Corp NY reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The bank demonstrated growth in net income and assets, driven by increased loan demand and effective cost management. Management provided insights into future growth prospects and ongoing efforts to enhance customer service and digital banking capabilities. The earnings call emphasized the bank's commitment to maintaining a strong balance sheet while navigating economic challenges. Significant growth in net income and strategic initiatives indicate a strong potential for future performance.

21 Jan

4

TrustCo Bank Corp NY reported a net income of $61.1 million for 2025, showcasing a total shareholder return that is three times greater than its peers. This performance highlights the bank's strong financial position and effective management strategies in a competitive market. The significant net income and superior shareholder return indicate a strong competitive position and potential for future growth.

3

TrustCo Bank Corp NY reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results reflect the bank's operational efficiency and strategic initiatives undertaken during the quarter. Analysts are evaluating the implications of these earnings on the bank's future growth and market positioning. The earnings report indicates moderate changes in financial performance that could influence market sentiment and competitive positioning.

14 Jan

4

TrustCo Bank Corp NY (TRST) is highlighted as an undiscovered gem in the U.S. banking sector for January 2026, showcasing its potential for growth and investment opportunities. The article emphasizes the bank's strong fundamentals, strategic positioning, and favorable market conditions that could enhance its performance. Analysts suggest that TRST's unique offerings and community-focused approach may attract investors looking for value in lesser-known financial institutions. Overall, the piece presents a positive outlook on TrustCo's future prospects in the competitive banking landscape. TrustCo Bank Corp NY is positioned for significant growth due to its strategic advantages and favorable market conditions.

19 Dec

3

TrustCo Bank Corp NY has announced a stock repurchase program allowing for the buyback of up to two million shares. This initiative is part of the bank's strategy to enhance shareholder value and reflects confidence in its financial position. The program is set to be executed in accordance with market conditions and applicable regulations. The stock repurchase program is expected to moderately influence investor sentiment and financial performance.

5 Dec

3

TrustCo Bank Corp NY (TRST) is highlighted as a promising small-cap stock in the U.S. market, alongside two other companies. The article emphasizes the bank's potential for growth and investment opportunities, suggesting that it may be undervalued compared to its peers. Analysts point to its solid fundamentals and strategic positioning as key factors that could drive future performance. TrustCo Bank's solid fundamentals and strategic positioning may moderately influence its financial performance and market sentiment.

19 Nov

4

TrustCo Bank Corp NY has reaffirmed its commitment to shareholders by declaring a quarterly dividend, marking over 120 years of uninterrupted dividend payments. This consistent financial practice underscores the bank's stability and dedication to returning value to its investors. The declaration of a quarterly dividend highlights the bank's strong financial health and commitment to shareholders, which can significantly influence investor sentiment and market performance.

6 Nov

4

TrustCo Bank Corp NY (TRST) is highlighted as a potential hidden gem in the US market, showcasing its strong financial performance and growth prospects. The bank's strategic initiatives and focus on customer service are noted as key factors contributing to its competitive advantage. Analysts suggest that TRST's solid fundamentals and market positioning make it an attractive investment opportunity amidst broader market fluctuations. TrustCo Bank's strategic initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.

22 Oct

4 transcript

TrustCo Bank Corp NY (TRST) reported its Q3 2025 earnings, highlighting a steady growth in net income and an increase in total assets. The bank's loan portfolio showed significant expansion, driven by strong demand in both commercial and residential sectors. Management emphasized their commitment to maintaining a strong capital position while navigating the current economic landscape. Additionally, they discussed strategic initiatives aimed at enhancing customer experience and operational efficiency. Overall, the earnings call reflected a positive outlook for the bank's future performance. Significant growth in net income and asset expansion indicates a strong strategic position and potential for future performance improvement.

4

TrustCo Bank Corp NY (TRST) reported strong net income growth in its Q3 2025 earnings call, highlighting robust financial performance and strategic initiatives that contributed to its success. The bank's earnings exceeded expectations, reflecting effective management and a favorable economic environment. Key metrics showed significant improvements, indicating a positive outlook for future growth. Strong net income growth and effective management strategies are likely to significantly impact future performance and investor sentiment.

3

TrustCo Bank Corp NY (TRST) has shown a rebound in its profit margins, which is challenging the prevailing bearish sentiment regarding the bank's profit consistency. This improvement in margins suggests a potential stabilization in the bank's financial performance, which could positively influence investor confidence and market perception. The margin rebound indicates a moderately noticeable influence on the bank's financial performance and market sentiment.

21 Oct

4

TrustCo Bank Corp NY reported a 26.3% increase in net income and an 11.5% rise in net interest income, attributing these results to its strategic vision and effective tactics. The bank's performance reflects strong operational execution and a focus on growth. Significant financial improvements indicate a strong strategic direction that could enhance future performance.

3

TrustCo Bank Corp NY reported its Q3 earnings, highlighting key financial metrics and performance indicators. The bank's results showed growth in net income and assets, reflecting a positive trend in its operations. Management provided insights into strategic initiatives and market conditions affecting the bank's performance. Overall, the earnings report indicates a stable financial position and potential for future growth. The earnings report reflects moderate growth and stability, which may influence investor sentiment and operational aspects but is not expected to drastically alter the company's trajectory.

8 Oct

4

TrustCo Bank Corp NY (TRST) is highlighted as a potential investment opportunity within the U.S. market, showcasing its strong fundamentals and growth prospects. The article emphasizes the bank's solid financial performance, strategic positioning, and ability to navigate market challenges effectively. Analysts suggest that TRST's undervaluation presents a unique chance for investors seeking hidden gems in the financial sector. Overall, the bank's resilience and growth potential make it a noteworthy candidate for investment consideration. TrustCo Bank's strong fundamentals and growth prospects indicate a significant impact on its future performance and market positioning.

3 Oct

3

TrustCo Bank Corp NY (NASDAQ:TRST) is significantly influenced by institutional ownership, with 77% of its shares held by institutional investors. This dominance suggests that institutional investors play a crucial role in the bank's governance and strategic direction, potentially impacting its future performance and market perception. The high level of institutional ownership may moderately influence TrustCo's financial performance and market sentiment.

23 Aug

3

TrustCo Bank Corp NY (NASDAQ:TRST) has announced an increase in its dividend payout compared to the previous year, signaling a positive trend in its financial health and commitment to returning value to shareholders. The increase in dividend payout indicates a moderately noticeable influence on investor sentiment and financial performance.

21 Aug

4

TrustCo Bank Corp NY (TRST) is highlighted as a potential investment opportunity in August 2025, identified as an undiscovered gem in the financial sector. The article emphasizes the bank's strong fundamentals, growth potential, and favorable market conditions that could enhance its performance. Analysts suggest that TRST's strategic initiatives and solid financial health position it well for future gains, making it a noteworthy candidate for investors seeking undervalued stocks. TrustCo Bank's strong fundamentals and growth potential indicate a significant impact on its future performance.

19 Aug

4

TrustCo Bank Corp NY (TRST) has announced a 5.6% increase in its dividend payout, benefiting shareholders as a result of the company's strong corporate performance. This decision reflects the bank's commitment to returning value to its investors amid ongoing success. The dividend increase indicates significant corporate success and positively influences investor sentiment.

11 Aug

3

TrustCo Bank Corp NY reported its second quarter 2025 earnings, revealing an earnings per share (EPS) of US$0.79, an increase from US$0.66 in the same quarter of 2024. This performance indicates a positive trend in the bank's profitability year-over-year. The increase in EPS suggests a moderately noticeable improvement in financial performance, which may positively influence market sentiment.

23 Jul

4

TrustCo Bank Corp NY (TRST) is highlighted as a potential investment opportunity in the US market for July 2025, showcasing its strong fundamentals and growth potential. The article emphasizes the bank's solid financial performance, strategic initiatives, and favorable market conditions that could position it as an attractive option for investors seeking undervalued stocks. Analysts suggest that TRST's unique offerings and competitive advantages may lead to significant appreciation in its stock value over the coming years. TrustCo Bank Corp NY is positioned for significant growth due to its strong fundamentals and strategic initiatives.

4

TrustCo Bank Corp NY (TRST) reported a net income of $15 million for Q2 2025, a 19.8% increase year-over-year. Year-to-date net income reached nearly $30 million, with a return on average assets of 0.96% and return on average equity of 8.73%. Net interest income rose 10.5% to $41.7 million, while total deposits increased by $213 million to $5.5 billion. Home equity loans grew by 17.8%, and commercial loans increased by 9.2%. However, there were concerns about interest-bearing liabilities and a decrease in installment loans. The provision for credit losses was $650,000, indicating potential future risks. CEO Robert McCormick noted strong demand across markets, particularly in Florida and the Northeast. Significant growth in net income and loans indicates strong performance and potential for future success.

21 Jul

4

TrustCo Bank Corp NY reported a 19.8% increase in net income and a 10.5% rise in net interest income, reflecting effective application of fundamental principles in its operations. These results indicate strong financial performance and suggest positive momentum for the bank. Significant growth in net income and interest income indicates a strong financial trajectory and positive investor sentiment.

3

TrustCo Bank Corp NY reported its Q2 earnings, highlighting key financial metrics and performance indicators. The bank showed growth in net income and assets, reflecting a positive trend in its operations. Additionally, the report detailed improvements in loan and deposit growth, contributing to overall financial stability. Management provided insights into future strategies aimed at sustaining this momentum. The earnings report indicates moderate growth and stability, which may influence investor sentiment and financial performance.

stockrow.com/TRST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com