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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
$799.05M
Enterprise Value$941.32M
Total Cash (Recent Filing)$360.99M
Total Debt (Recent Filing)$192.84M
Price to Earnings (P/E)13.3
Beta0.77
Next Earnings
Apr 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.48%
Share Statistics
EPS (TTM)0.85
Shares Outstanding18,424,019
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 Ratio0.00
Enterprise Value/Market Cap1.18
Enterprise Value/Revenue3.38
Enterprise Value/Gross Profit5.04
Enterprise Value/Ebitda10.49
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
Margin Expansion / ProfitabilitySustained net margin near 27.6% TTM signals durable core earnings power from lending and fee activities. Higher margins support consistent internal capital generation for dividends, buybacks and reinvestment, improving resilience to moderate credit or funding shocks over months.
Conservative Leverage And CapitalA low debt-to-equity ratio (~0.20) and stable equity ratio provide a strong capital buffer that lowers financial risk, preserves regulatory flexibility, and supports continued share repurchases/dividends while absorbing credit volatility or modest loan losses over the medium term.
Recurring Fee Income / Wealth ManagementA sizable wealth-management business (~$1.27B AUM) contributing ~44% of non-interest income meaningfully diversifies revenue away from net interest margin. Recurring advisory fees increase revenue stability, cross-sell potential, and customer stickiness across economic cycles.
Bears Say
Allowance Coverage DeclineA $6M reduction in allowance and a decline in coverage to 253% versus prior year lowers the bank's reserve cushion relative to non-performing loans. That weaker buffer increases vulnerability to surprise credit deterioration and could force higher provisions, pressuring earnings and capital plans.
Rising Non-Performing LoansAn uptick in NPLs to $20.7M and a rising NPL ratio (0.39% from 0.37%) signals early asset-quality pressure. If this trend persists, credit costs and loss provisions could increase, constraining loan growth, capital return capacity, and margin stability over the coming quarters.
Free Cash Flow Growth WeaknessWeakening free cash flow growth reduces the bank’s organic funding for buybacks, dividends, branch investments and higher recurring expenses. Over a multi-quarter horizon, constrained FCF can limit strategic flexibility and amplify reliance on capital actions or external funding to sustain shareholder returns.
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 $799.05M.
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 56 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 $0.85 earnings per share for the quarter, beating the consensus estimate of N/A by $0.85.
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 18,424,019 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 $0.85 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 $8.5K 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
8.35%
Trailing 12-Months
Asset Growth
3.92%
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
3.10% Insiders
20.14% Mutual Funds
17.07% Other Institutional Investors
32.48% Public Companies and
Individual Investors