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Trustco Bank Corp NY (TRST)
NASDAQ:TRST
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$27.18 - $48.45
Previous CloseN/A
Volume9.30K
Average Volume (3M)121.08K
Market Cap
$755.53M
Enterprise Value$928.24M
Total Cash (Recent Filing)$360.99M
Total Debt (Recent Filing)$192.84M
Price to Earnings (P/E)12.4
Beta0.76
Next Earnings
Apr 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.48%
Share Statistics
EPS (TTM)0.85
Shares Outstanding17,710,510
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 Cap1.23
Enterprise Value/Revenue3.33
Enterprise Value/Gross Profit4.97
Enterprise Value/Ebitda10.34
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
Strong Net Income GrowthA 38% YoY jump in quarterly net income reflects durable core earnings momentum that strengthens ROA/ROE and builds internal capital. Sustained higher earnings give management flexibility for dividends, buybacks and reserve building, improving resilience across economic cycles.
Net Interest Income & Margin ExpansionImproving NII and a wider net interest margin indicate the bank is earning more on assets while funding costs fell, a structural driver of bank profitability. If deposit pricing and asset yields remain favorable, margin gains support sustainable earnings and loan growth capacity.
Loan Growth Supported By Stable DepositsSteady loan origination alongside year-over-year deposit growth signals healthy franchise lending demand and stable funding. This structural funding/asset mix supports ongoing NII generation and provides scale benefits versus peers for regional banking margins over the medium term.
Bears Say
Allowance And Coverage DeclineA reduced allowance and lower coverage ratio weaken the bank's loss-absorbing cushion against credit deterioration. Persistently lower reserves increase earnings and capital sensitivity to future NPLs, raising downside risk if credit stress or charge-offs accelerate.
Rising Debt Vs Prior YearMaterial year-over-year debt growth tightens financial flexibility and increases leverage-related obligations. Higher debt levels can constrain capital allocation, elevate interest costs in adverse rate environments, and limit the bank’s ability to absorb shocks or pursue growth without equity support.
Weaker Cash Conversion / Declining FCFDeclining free cash flow and weaker cash conversion versus earnings reduce the bank's internal funding for buybacks, dividends, and reserves. Slower cash generation narrows buffers for credit losses and capital needs, making the firm more reliant on external funding in stressed scenarios.
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 $27.18 and its highest was $48.45 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $755.53M.
When is Trustco Bank Corp NY’s upcoming earnings report date?
Trustco Bank Corp NY’s upcoming earnings report date is Apr 27, 2026 which is in 36 days.
How were Trustco Bank Corp NY’s earnings last quarter?
Trustco Bank Corp NY released its earnings results on Jan 21, 2026. The company reported $0.849 earnings per share for the quarter, beating the consensus estimate of N/A by $0.849.
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 17,710,510 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 $0.849 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.066%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bearish
TRST Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 79.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $25.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.85%
12-Months-Change
Fundamentals
Return on Equity
8.86%
Trailing 12-Months
Asset Growth
3.24%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong core earnings momentum driven by a 38% YoY net income increase, NII and margin expansion, healthy loan and deposit growth, active capital return through buybacks/dividends, and a sizable recurring wealth-management fee stream. These positives are tempered by modest increases in non-performing loans and assets, a reduction in allowance levels and coverage ratio YoY, a slight dip in the equity-to-assets ratio, planned higher recurring expense guidance for 2026, and some branch expansion challenges. On balance, the operational and revenue strength materially outweigh the measured credit and expense headwinds.View all TRST earnings summariesTechnical Analysis
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Ownership Overview
3.23% Insiders
21.13% Mutual Funds
17.79% Other Institutional Investors
29.27% Public Companies and
Individual Investors