Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

TRST stock hub

TrustCo Bank Corp NY has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

858.9M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

TRST

In the news

Latest news · TRST

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E14.4

P25 10.9P50 14.7P75 36.2

ROE9.3

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All TRST market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

199

Groups with data

Currency

USD

Showing 199 of 199 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000357301
Company name	TrustCo Bank Corp NY
Country	United States
Country code	US
Cusip	898349204
Employees	740
Employees Change	0%
Employees Change Percent	0
Enterprise value	$239.6M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US8983492047
Last refreshed	2026-05-10
Market cap	$858.9M
Market cap category	Small-Cap
Price	$49.06
Price currency	USD
Rev Per Employee	256,581.08x
Sector	Financials
Sic	6022
Symbol	TRST
Website	https://www.trustcobank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.35%
EV Earnings	3.79x
EV/Sales	1.26x
P/B ratio	1.28x
P/E ratio	14.39x
P/S ratio	4.52x
PE Ratio10 Y	12.55x
PE Ratio3 Y	11.03x
PE Ratio5 Y	10.46x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$189.9M
Net Income	$63.1M
Net Income Growth	23.86%
Net Income Growth Q	14.08%
Net Income Growth Quarters	5%
Net Income Growth Years	1%
Net Income Growth3 Y	-5.94%
Net Income Growth5 Y	3.48%
Pretax Margin	44.09%
Profit Margin	33.26%
Profit Per Employee	$85,334
Profitable Years	33
ROA	0.98
Roa5y	0.99
ROE	9.3
Roe5y	9.77

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.65%
Cagr15y	7.99%
Cagr1y	63.77%
Cagr20y	3.61%
Cagr3y	24.74%
Cagr5y	9.95%
Div CAGR10	1.34%
Div CAGR3	1.84%
Div CAGR5	1.94%
EPS Growth	27.18
EPS Growth Q	21.33
EPS Growth Quarters	5
EPS Growth Years	1
EPS Growth3 Y	-4.96
EPS Growth5 Y	4.33
Revenue Growth	9.12x
Revenue Growth Q	7.89x
Revenue Growth Quarters	5x
Revenue Growth Years	1x
Revenue Growth3 Y	-2.62x
Revenue Growth5 Y	2.55x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$6.5B
Cash	$768.1M
Debt	$148.9M
Equity	$670.9M
Liabilities	$5.8B
Net Cash	$619.3M
Net Cash By Market Cap	$72.1
Net Cash Growth	-2.56%
Net Debt Equity	$-0.92
Tangible Book Value	$670.9M
Tangible Book Value Per Share	$38.32
WACC	6.49

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.85%
Dividend Growth	4.17%
Dividend Growth Years	1%
Dividend per share	$1.52
Dividend Years	45
Dividend Yield	3.1%
Ex Div Date	2026-03-06
Last Dividend	$0.38
Payout Frequency	Quarterly
Payout Ratio	44.01%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	129.21%
1Y total return	63.71%
200-day SMA	41.27
3Y total return	94.14%
50-day SMA	45.17
50-day SMA vs 200-day SMA	50over200
5Y total return	60.67%
All Time High	71.25
All Time High Change	-31.14%
All Time High Date	2003-12-01
All Time Low	3.34
All Time Low Change	1,367.11%
All Time Low Date	1985-02-25
ATR	1.16
Beta	0.61
Beta1y	0.7
Beta2y	0.77
Ch YTD	18.7
High	49.21
High52	49.21
High52 Date	2026-05-08
High52ch	-0.3%
Low	48.35
Low52	30.17
Low52 Date	2025-06-03
Low52ch	62.61%
Ma50ch	8.62%
Price vs 200-day SMA	18.88%
RSI	65.94
RSI Monthly	71.72
RSI Weekly	70.51
Sharpe ratio	1.95x
Sortino ratio	3.31
Total Return	5.95%
Tr YTD	19.74
Tr15y	216.76%
Tr1m	8.37%
Tr1w	2.08%
Tr3m	7.42%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$88.9M
Operating margin	46.84

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	16,837,861%
Float Percent	96.18%
Shares Insiders	3.8%
Shares Institutions	82.02%
Shares Out	17,506,881
Shares Qo Q	-2.46%
Shares Yo Y	-2.85%
Short Float	4.08%
Short Ratio	5.22
Short Shares	3.92

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	84,537x
Bv Per Share	38.32
Ch10y	54.52
Ch15y	70.94
Ch1m	8.37
Ch1w	2.08
Ch1y	57.55
Ch20y	-15.56
Ch3m	6.49
Ch3y	69.47
Ch5y	29.28
Ch6m	25.44
Change	1.3%
Change From Open	1.47
Close	48.43
Days Gap	-0.17
Dollar Volume	2,735,095
Earnings Date	2026-04-21
Earnings Time	amc
EPS	$3.41
F Score	2
Fiscal Year End	December
Founded	1,902
Graham Number	54.2134
Graham Upside	10.5
Income Tax	$20.6M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-21
Last Report Date	2026-03-31
Last Split Date	2021-05-28
Last Split Type	Reverse
Last10k Filing Date	2026-03-16
Lynch Fair Value	$17.04
Lynch Upside	-65.26
Ma150	42.72
Ma150ch	14.85%
Ma20	47.06
Ma20ch	4.24%
Next Earnings Date	2026-07-20
Open	48.35
Optionable	Yes
Payment Date	2026-04-01
Position In Range	82.56
Ppne	74,376,000
Price Date	2026-05-08
Ptbv Ratio	1.28
Relative Volume	0.66x
Revenue	189,870,000x
Tax By Revenue	10.83x
Tax Rate	24.57%
Tr20y	103.42%
Tr6m	27.64%
Us State	New York
Volume	55,750

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

TRST dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.1%

$1.52 annual per share

Payout ratio

+44.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+1.9%

1 consecutive years of growth

Total shareholder yield

+5.9%

Next ex-dividend date: 2026-03-06

Performance

TRST stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns TRST?

Insider, institutional, and short-interest positioning.

Institutional ownership

+82.0%

Float: +96.2% of shares outstanding

Insider ownership

+3.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

TRST momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

65.9

Neutral momentum band

Price vs 200-day MA

+18.9%

50/200-day relationship not available

Beta (5Y)

0.61

Less volatile than the market

Sharpe ratio

1.95

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

TRST vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Verminderen
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Verminderen
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Verminderen

Questions

About TRST

Hub-level FAQ points readers to the deeper analysis pages.

What is the current TRST stock rating?

TrustCo Bank Corp NY is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full TRST analysis?

The full report lives at /stocks/TRST/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for TRST?

The latest report frames TRST around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the TRST page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.