Trustco Bank Corp NY (TRST)
NASDAQ:TRST
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TRST Stock Chart & Stats
$42.21
-$0.10(-0.30%)
At close: 4:00 PM EST
$42.21
-$0.10(-0.30%)
Day’s Range― - ―
52-Week Range$30.17 - $51.07
Previous CloseN/A
Volume9.30K
Average Volume (3M)121.08K
Market Cap
$878.28M
Enterprise Value$983.97M
Total Cash (Recent Filing)$43.16M
Total Debt (Recent Filing)$148.85M
Price to Earnings (P/E)12.0
Beta0.76
Next Earnings
Jul 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.48%
Share Statistics
EPS (TTM)3.41
Shares Outstanding17,474,812
10 Day Avg. Volume158,144
30 Day Avg. Volume121,083
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)1.10
Price to Sales (P/S)2.71
P/FCF Ratio16.51
Enterprise Value/Market Cap1.12
Enterprise Value/Revenue3.49
Enterprise Value/Gross Profit5.17
Enterprise Value/Ebitda10.95
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue & Cash GenerationSustained TTM revenue surge and strong margins with high free cash flow conversion indicate durable core profitability and internal funding capacity. This supports reinvestment, dividend continuity and buybacks without immediate reliance on external capital, strengthening long-term financial flexibility.
Loan Growth & NIM ExpansionAll-time high loan balances and rising NII/NIM reflect durable earnings tailwinds from loan repricing as older low-rate loans roll off. A structurally higher asset yield profile improves recurring interest income, supporting earnings resilience over the medium term if underwriting discipline holds.
Disciplined Capital ReturnA clear, funded buyback program plus a maintained quarterly dividend signal management confidence and shareholder-aligned capital policy. When paired with stated capital targets, this suggests repeatable, disciplined returns that enhance per-share economics without compromising liquidity if ratios remain within stated buffers.
Bears Say
Eroding Allowance & Rising NPLsDeclining allowance coverage alongside a rising level of nonperforming loans reduces the bank's loss-absorbing cushion. Over a multi-quarter horizon this increases the risk of higher provisions or charge-offs, pressuring recurring earnings and constraining capital deployment if credit deterioration persists.
Moderating Capital RatiosCapital ratios decreasing as the bank repurchases shares reduces excess buffer against stress scenarios. Persistently lower ratios can limit regulatory flexibility, force more conservative growth, or necessitate capital raises in adverse conditions, making capital management a structural constraint on future expansion.
Cash-Flow Volatility & Margin CompressionInconsistent historical operating cash flow and margins below prior peaks imply less predictable internal funding and lower margin resilience. This variability complicates long-term planning, increases dependence on cyclical factors for profitability, and may limit durable improvements in ROE without sustained margin recovery.
TrustCo Bank News
TRST FAQ
What was Trustco Bank Corp NY’s price range in the past 12 months?
Trustco Bank Corp NY lowest stock price was $30.17 and its highest was $51.07 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $878.28M.
When is Trustco Bank Corp NY’s upcoming earnings report date?
Trustco Bank Corp NY’s upcoming earnings report date is Jul 21, 2026 which is in 56 days.
How were Trustco Bank Corp NY’s earnings last quarter?
Trustco Bank Corp NY released its earnings results on Apr 21, 2026. The company reported $0.91 earnings per share for the quarter, beating the consensus estimate of N/A by $0.91.
Is Trustco Bank Corp NY overvalued?
According to Wall Street analysts Trustco Bank Corp NY’s price is currently Overvalued.
Does Trustco Bank Corp NY pay dividends?
Trustco Bank Corp NY pays a Quarterly dividend of $0.38 which represents an annual dividend yield of 3.48%. See more information on Trustco Bank Corp NY dividends here
What is Trustco Bank Corp NY’s EPS estimate?
Trustco Bank Corp NY’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Trustco Bank Corp NY have?
Trustco Bank Corp NY has 17,474,812 shares outstanding.
What happened to Trustco Bank Corp NY’s price movement after its last earnings report?
Trustco Bank Corp NY reported an EPS of $0.91 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.678%.
Which hedge fund is a major shareholder of Trustco Bank Corp NY?
Currently, no hedge funds are holding shares in TRST
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TrustCo Bank Stock Smart Score
Neutral
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10
Blogger Sentiment
Bearish
TRST Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 5.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $29.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.85%
12-Months-Change
Fundamentals
Return on Equity
9.21%
Trailing 12-Months
Asset Growth
2.67%
Trailing 12-Months
Company Description
Trustco Bank Corp NY
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.
TRST Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominately positive picture: strong net income and net interest income growth, margin expansion, all-time high loan balances with notable growth in home equity and residential mortgages, an active share repurchase program, improved return and efficiency metrics, and recurring wealth management fee income. Lowlights were modest: slight increases in nonperforming loans and nonperforming assets, a decline in allowance coverage ratio, a higher provision driven by forward-looking economic assumptions, and moderately lower capital ratios as buybacks proceed. Management emphasized disciplined capital deployment and conservative underwriting, suggesting these headwinds are being managed.View all TRST earnings summariesTechnical Analysis
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Ownership Overview
3.28% Insiders
19.27% Mutual Funds
17.78% Other Institutional Investors
29.49% Public Companies and
Individual Investors