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$30.52 - $55.60
Previous CloseN/A
Volume9.30K
Average Volume (3M)121.08K
Market Cap
$965.48M
Enterprise Value$1.01B
Total Cash (Recent Filing)$43.16M
Total Debt (Recent Filing)$148.85M
Price to Earnings (P/E)15.6
Beta0.75
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 Cap1.05
Enterprise Value/Revenue3.59
Enterprise Value/Gross Profit5.32
Enterprise Value/Ebitda10.90
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 Revenue And ProfitabilityVery strong trailing‑12‑month revenue growth and healthy net margins indicate durable operating leverage and core earnings power. Over a multi‑month horizon this supports reinvestment, dividend funding and resilience to moderate rate or cyclical shocks versus peers with weaker top‑line trends.
Robust Free Cash FlowConsistent positive free cash flow and a high FCF-to-net-income ratio signal strong cash conversion that underpins buybacks and dividends. Durable cash generation provides flexibility for capital allocation, cushioning provisioning cycles and supporting shareholder returns without reliance on external financing.
Loan Growth, NII And Stable DepositsSustained loan growth, rising net interest income and deposit growth reflect core franchise strength and effective repricing as older low‑rate loans roll off. Together they support recurring NII and funding stability, a durable competitive advantage for a regional bank focused on traditional lending.
Bears Say
Declining Allowance Coverage & Higher ProvisionsA drop in allowance coverage and materially higher forward‑looking provisions increase earnings volatility and suggest growing credit uncertainty. Over the medium term, lower coverage reduces the buffer for loan losses and could force larger future provisions if credit trends worsen, pressuring capital and returns.
Capital Ratios Moderating With BuybacksOngoing share repurchases while capital ratios drift lower reduces cushion against stress and limits regulatory flexibility. If credit or deposit pressures intensify, a thinner capital position could constrain lending or force more conservative capital actions, impacting strategic optionality over the next several quarters.
Profitability And Cash‑flow Variability Vs Prior PeaksROE and margin compression from prior peak levels signal reduced ability to generate equity returns without sustained margin recovery. Coupled with earlier multi‑year volatility in operating cash flows, this undermines predictability of internal capital formation and could limit long‑term growth or return initiatives.
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 $30.52 and its highest was $55.60 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $965.48M.
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 36 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
1
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3
4
5
6
7
8
9
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 $40.3K 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
9.21%
Trailing 12-Months
Asset Growth
2.67%
Trailing 12-Months
Company Description
Trustco Bank Corp NY
TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices 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
First Financial Indiana
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Mid Penn Bancorp
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Orrstown Financial Services
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Hometrust Bancshares
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South Plains Financial
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Ownership Overview
3.28% Insiders
19.39% Mutual Funds
17.78% Other Institutional Investors
29.22% Public Companies and
Individual Investors