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 - $48.45
Previous CloseN/A
Volume9.30K
Average Volume (3M)121.08K
Market Cap
$841.38M
Enterprise Value$956.85M
Total Cash (Recent Filing)$293.47M
Total Debt (Recent Filing)$156.44M
Price to Earnings (P/E)12.0
Beta0.77
Next Earnings
Jul 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.48%
Share Statistics
EPS (TTM)3.25
Shares Outstanding17,506,882
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 Cap1.14
Enterprise Value/Revenue3.44
Enterprise Value/Gross Profit5.12
Enterprise Value/Ebitda10.66
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
Net Interest Income & Margin ExpansionSustained NII and NIM expansion from loan repricing improves recurring core earnings power. As older lower-rate loans roll off, higher-yielding loans lift net interest income, providing a durable earnings tailwind that supports profitability over the next several quarters.
Loan Growth And Repricing BenefitsRising loan balances with active repricing increase net interest income capacity and diversify asset mix. Continued growth across HELOCs, residential mortgages and commercial loans supports sustainable revenue and lowers concentration risk versus reliance on a single loan product.
Recurring Wealth Fees And Stable DepositsMeaningful, recurring wealth management fees diversify revenue away from interest margins and enhance fee stability. Combined with steady deposit growth, this strengthens funding stability and reduces earnings volatility from interest-rate swings over the medium term.
Bears Say
Declining Allowance CoverageA falling coverage ratio reduces the cushion against potential credit losses and signals tighter reserve policy versus asset growth. If loan stress increases, lower relative coverage may require larger future provisions, pressuring earnings and capital over multiple quarters.
Higher Debt Versus Prior YearRising debt elevates fixed obligations and limits financial flexibility to withstand stress or pursue strategic investments. In a slower earnings environment, higher leverage constrains capital allocation options and can amplify downside to returns and credit metrics.
Weaker Cash Conversion (FCF Decline)Reduced cash conversion from earnings limits internally generated funding for buybacks, dividends and loan growth without tapping capital markets. Lower FCF-to-income weakens liquidity buffers and could force trade-offs between shareholder returns and preserving capital.
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 $48.45 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $841.38M.
When is Trustco Bank Corp NY’s upcoming earnings report date?
Trustco Bank Corp NY’s upcoming earnings report date is Jul 27, 2026 which is in 84 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 17,506,882 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 79.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $29.9K 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 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
3.27% Insiders
19.37% Mutual Funds
0.45% Other Institutional Investors
47.19% Public Companies and
Individual Investors