Trustco Bank Corp NY (TRST)
NASDAQ:TRST
Want to see TRST full AI Analyst Report?
Total Valuation
TrustCo Bank has a market cap or net worth of $861.68M. The enterprise value is $967.37M.
Market Cap$861.68M
Enterprise Value$967.37M
Share Statistics
TrustCo Bank has 17,474,812 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,474,812
Owned by Insiders3.28%
Owned by Institutions17.78%
Financial Efficiency
TrustCo Bank’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 6.96%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.96%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee376.13K
Profits Per Employee82.62K
Employee Count740
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of TrustCo Bank is 12.0. TrustCo Bank’s PEG ratio is 0.47.
PE Ratio12.0
PS Ratio2.71
PB Ratio1.10
Price to Fair Value1.10
Price to FCF16.51
Price to Operating Cash Flow12.89
PEG Ratio0.47
Income Statement
In the last 12 months, TrustCo Bank had revenue of 278.33M and earned 61.14M in profits. Earnings per share was 3.25.
Revenue278.33M
Gross Profit186.72M
Operating Income81.21M
Pretax Income80.81M
Net Income61.14M
EBITDA89.75M
Earnings Per Share (EPS)3.25
Cash Flow
In the last 12 months, operating cash flow was 68.14M and capital expenditures -8.96M, giving a free cash flow of 59.18M billion.
Operating Cash Flow68.14M
Free Cash Flow59.18M
Free Cash Flow per Share3.39
Dividends & Yields
TrustCo Bank pays an annual dividend of $0.38, resulting in a dividend yield of 3.48%
Dividend Per Share$0.38
Dividend Yield3.48%
Payout Ratio49.50%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.77
52-Week Price Change59.87%
50-Day Moving Average45.85
200-Day Moving Average41.34
Relative Strength Index (RSI)62.54
Average Volume (3m)121.08K
Important Dates
TrustCo Bank upcoming earnings date is Jul 21, 2026, After Close (Confirmed).
Last Earnings DateApr 21, 2026
Next Earnings DateJul 21, 2026
Ex-Dividend Date―
Financial Position
TrustCo Bank as a current ratio of 0.05, with Debt / Equity ratio of 22.19%
Current Ratio0.05
Quick Ratio0.05
Debt to Market Cap0.16
Net Debt to EBITDA1.18
Interest Coverage Ratio0.90
Taxes
In the past 12 months, TrustCo Bank has paid 19.68M in taxes.
Income Tax19.68M
Effective Tax Rate0.24
Enterprise Valuation
TrustCo Bank EV to EBITDA ratio is 9.60, with an EV/FCF ratio of 18.83.
EV to Sales3.09
EV to EBITDA9.60
EV to Free Cash Flow18.83
EV to Operating Cash Flow14.95
Balance Sheet
TrustCo Bank has $43.16M in cash and marketable securities with $148.85M in debt, giving a net cash position of -$105.69M billion.
Cash & Marketable Securities$43.16M
Total Debt$148.85M
Net Cash-$105.69M
Net Cash Per Share-$6.05
Tangible Book Value Per Share$37.57
Margins
Gross margin is 67.55%, with operating margin of 29.18%, and net profit margin of 21.97%.
Gross Margin67.55%
Operating Margin29.18%
Pretax Margin29.04%
Net Profit Margin21.97%
EBITDA Margin32.25%
EBIT Margin29.18%
Analyst Forecast
The average price target for TrustCo Bank is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast6.30%
EPS Growth Forecast27.79%