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Trustco Bank Corp NY (TRST)
NASDAQ:TRST
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TrustCo Bank (TRST) Stock Statistics & Valuation Metrics

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Total Valuation

TrustCo Bank has a market cap or net worth of $724.07M. The enterprise value is $711.28M.
Market Cap$724.07M
Enterprise Value$711.28M

Share Statistics

TrustCo Bank has 18,851,013 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding18,851,013
Owned by Insiders3.32%
Owned by Institutions16.01%

Financial Efficiency

TrustCo Bank’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 5.76%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.76%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee355.61K
Profits Per Employee65.99K
Employee Count740
Asset Turnover0.04
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of TrustCo Bank is 13.7. TrustCo Bank’s PEG ratio is -0.78.
PE Ratio13.7
PS Ratio2.41
PB Ratio0.94
Price to Fair Value0.94
Price to FCF11.61
Price to Operating Cash Flow12.66
PEG Ratio-0.78

Income Statement

In the last 12 months, TrustCo Bank had revenue of 263.15M and earned 48.83M in profits. Earnings per share was 2.57.
Revenue263.15M
Gross Profit169.77M
Operating Income64.05M
Pretax Income64.05M
Net Income48.83M
EBITDA75.48M
Earnings Per Share (EPS)2.57

Cash Flow

In the last 12 months, operating cash flow was 59.16M and capital expenditures -9.94M, giving a free cash flow of 49.22M billion.
Operating Cash Flow59.16M
Free Cash Flow49.22M
Free Cash Flow per Share2.61

Dividends & Yields

TrustCo Bank pays an annual dividend of $0.38, resulting in a dividend yield of 3.86%
Dividend Per Share$0.38
Dividend Yield3.86%
Payout Ratio51.96%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.84
52-Week Price Change19.21%
50-Day Moving Average36.60
200-Day Moving Average32.61
Relative Strength Index (RSI)46.44
Average Volume (3m)135.16K

Important Dates

TrustCo Bank upcoming earnings date is Oct 27, 2025, After Close (Confirmed).
Last Earnings DateJul 21, 2025
Next Earnings DateOct 27, 2025
Ex-Dividend DateSep 05, 2025

Financial Position

TrustCo Bank as a current ratio of 0.06, with Debt / Equity ratio of 17.57%
Current Ratio0.06
Quick Ratio0.06
Debt to Market Cap0.13
Net Debt to EBITDA1.03
Interest Coverage Ratio0.70

Taxes

In the past 12 months, TrustCo Bank has paid 15.21M in taxes.
Income Tax15.21M
Effective Tax Rate0.24

Enterprise Valuation

TrustCo Bank EV to EBITDA ratio is 9.42, with an EV/FCF ratio of 13.03.
EV to Sales2.70
EV to EBITDA9.42
EV to Free Cash Flow13.03
EV to Operating Cash Flow11.96

Balance Sheet

TrustCo Bank has $381.78M in cash and marketable securities with $121.72M in debt, giving a net cash position of $260.06M billion.
Cash & Marketable Securities$381.78M
Total Debt$121.72M
Net Cash$260.06M
Net Cash Per Share$13.80
Tangible Book Value Per Share$35.56

Margins

Gross margin is 65.70%, with operating margin of 24.34%, and net profit margin of 18.56%.
Gross Margin65.70%
Operating Margin24.34%
Pretax Margin24.34%
Net Profit Margin18.56%
EBITDA Margin28.68%
EBIT Margin24.34%

Analyst Forecast

The average price target for TrustCo Bank is $44.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$44.00
Price Target Upside16.43% Upside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast5.39%
EPS Growth Forecast8.80%

Scores

Smart Score4
AI Score
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