TrustCo Bank Corp NY TRST R2K

Financial Services · Banks - Regional · United States

https://www.trustcobank.com

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company 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, it operates 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. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.

Market & Price

Market Cap

$905.37M

Current Price

$51.81

High / Low (52W)

$51.81 / $29.52

Beta

0.61

Valuation

Stock P/E

15.19

Industry PE

12.01

Forward P/E

18.05

PEG Ratio

0.63

Book Value

$38.08

Price to Book

1.36

P/S

4.77

EV/EBITDA

Dividend Yield

2.94%

Profitability & Returns

ROCE

ROE

9.29%

ROA

0.98%

Profit Margin

33.26%

Op Margin

46.96%

EPS (Latest Qtr)

$0.91

EPS (TTM)

$3.41

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$148.85M

Total Assets

$6.44B

Current Assets

Working Capital

Ownership

Promoter Holding

3.44%

Chg in Prom Hold

FII / Inst Holding

79.69%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$286.11M

Total Revenue (TTM)

$189.87M

EBITDA

Free Cash Flow

Operating Cash Flow

$68.14M

Shares Outstanding

17.47M

Gross Margin

0.00%

Payout Ratio

43.99%

Growth (CAGR)

Revenue 5Y

-1.96%

Profit 5Y

-6.68%

Revenue (YoY)

7.90%

Earnings (YoY)

21.30%

PROS

Excellent profit margin of 33.3%.
Attractive dividend yield of 2.94%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.0% CAGR over 5 years.
Earnings shrank at -6.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TRST TrustCo Bank Corp NY R2K	51.81	15.19	$905.37M	2.94%	-	9.29%	-1.96%	-6.68%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.35M	46.60M	47.81M	48.16M	49.55M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.44M	22.73M	22.91M	22.36M	21.52M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.72M	19.73M	21.32M	21.05M	21.62M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.44M	4.69M	5.06M	5.49M	5.33M
Net Income	10.25M	11.01M	11.81M	10.71M	10.71M	10.73M	10.62M	10.41M	10.46M	10.93M	10.95M	12.24M	12.60M	14.81M	15.40M	15.20M	14.56M	14.67M	14.71M	13.31M	11.25M	14.07M	14.08M	14.43M	16.76M	17.09M	17.87M	19.36M	17.75M	16.37M	14.68M	12.13M	12.55M	-	-	14.28M	15.04M	16.26M	15.56M	16.29M
Diluted EPS	0.11	0.12	0.12	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.13	0.13	0.15	0.16	0.16	0.15	0.15	0.15	0.14	0.58	0.73	0.73	0.75	0.87	0.89	0.93	1.01	0.93	0.86	0.77	0.64	0.66	-	-	0.75	0.79	0.86	0.85	0.91

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	199.40M	190.16M	171.77M	187.92M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	6.47M	54.36M	91.38M	90.44M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	99.42M	77.61M	64.05M	80.81M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	24.18M	18.97M	15.21M	19.68M
Net Income	28.12M	29.32M	33.09M	37.53M	39.81M	44.19M	42.24M	42.60M	43.15M	61.45M	57.84M	52.45M	-	75.23M	58.65M	48.83M	61.14M
Diluted EPS	0.37	0.38	0.39	0.40	0.42	0.47	0.44	0.45	0.45	0.64	2.98	2.72	-	3.93	3.08	2.57	3.25

Compounded Sales Growth

5 Years:	-1.96%
1 Year:	7.90%

Compounded Profit Growth

5 Years:	-6.68%
1 Year:	21.30%

Stock Price Performance

1 Year:	+73.44%
6 Months:	+23.90%
3 Months:	+20.50%
1 Month:	+10.63%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.95B	4.24B	4.35B	4.52B	4.64B	4.73B	4.87B	4.91B	4.96B	5.22B	5.90B	-	6.00B	6.17B	6.24B	6.44B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	249.60M	145.89M	444.25M	532.94M	544.02M	583.04M	671.45M	718.16M	707.27M	612.74M	503.71M	456.85M	1.11B	-	43.43M	49.27M	47.36M	50.57M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	3.70B	3.91B	3.99B	4.16B	4.25B	4.32B	4.44B	4.45B	4.47B	4.68B	5.33B	-	5.40B	5.52B	5.56B	5.75B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.98M	44.47M	40.16M	36.39M
Total Equity	236.02M	245.68M	255.44M	338.52M	358.80M	361.81M	393.44M	413.31M	432.69M	458.31M	489.87M	538.26M	568.16M	-	599.99M	645.28M	676.34M	686.59M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.06M	20.06M	20.10M	19.58M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	142.07M	48.48M	61.32M	58.63M	62.96M	-	60.01M	54.89M	61.69M	67.64M	63.80M	62.16M	-	78.63M	64.13M	59.44M	57.60M
Investing Cash Flow	-390.39M	690.00K	-226.60M	-106.39M	-169.34M	-	-61.27M	-157.79M	-144.88M	-173.82M	-248.76M	-35.35M	-	-416.63M	-233.59M	-3.75M	-104.67M
Financing Cash Flow	144.61M	249.19M	253.98M	58.83M	145.41M	-	47.97M	92.02M	-11.34M	-2.85M	138.10M	623.44M	-	-230.87M	96.87M	8.12M	135.69M
Capital Expenditure	-7.27M	-3.61M	-5.21M	-4.26M	-6.38M	-8.50M	-3.74M	-2.06M	-3.61M	-3.65M	-3.89M	-3.83M	-	-3.79M	-5.67M	-4.88M	-11.87M
Free Cash Flow	134.81M	44.87M	56.10M	54.36M	56.58M	-	56.26M	52.84M	58.08M	63.99M	59.90M	58.33M	-	74.84M	58.46M	54.56M	45.74M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-568.87M	-72.59M	63.81M	88.61M
Share Buybacks	-	-	-	-	0	282.00K	147.00K	701.00K	4.61M	718.00K	35.00K	3.49M	2.39M	7.00M	0	374.00K	38.13M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	37.7%	30.8%	28.4%	32.5%
ROE %	11.4%	11.5%	9.8%	10.5%	11.0%	11.2%	10.2%	9.8%	9.4%	12.5%	10.7%	9.2%	-	12.5%	9.1%	7.2%	8.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.44%

Institutions

79.69%

Public Float

82.53%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.69%	2.57M	$132.96M
2	Systematic Financial Management, L.P.	6.67%	1.17M	$60.37M
3	Dimensional Fund Advisors LP	6.51%	1.14M	$58.93M
4	State Street Corporation	5.10%	891.08K	$46.17M
5	Holdco Asset Management, LP	4.99%	872.74K	$45.22M
6	Vanguard Capital Management LLC	4.69%	819.11K	$42.44M
7	American Century Companies Inc	3.23%	564.91K	$29.27M
8	Geode Capital Management, LLC	2.85%	498.62K	$25.83M
9	Vanguard Portfolio Management LLC	2.13%	372.70K	$19.31M
10	Hotchkis & Wiley Capital Management, LLC	1.67%	291.37K	$15.10M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for TRST

No recent headlines available.

TRST · Financial Services