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TrustCo Bank Corp NYNasdaqGS:TRST Stock Report

Market Cap US$965.0m
Share Price
n/a
1Y45.6%
7D-3.9%
1D-0.6%
Portfolio Value
​
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TrustCo Bank Corp NY

NasdaqGS:TRST Stock Report

Market Cap: US$965.0m

TrustCo Bank Corp NY (TRST) Stock Overview

Operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. More details

TRST fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends4/6

Rewards

Price-To-Earnings ratio (14.7x) is below the US market (18.2x)

Pays a reliable dividend of 2.7%

Risk Analysis

Earnings have declined by 3.2% per year over past 5 years


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TrustCo Bank Corp NY Competitors

Price History & Performance

Summary of share price highs, lows and changes for TrustCo Bank Corp NY
Historical stock prices
Current Share PriceUS$56.34
52 Week HighUS$59.28
52 Week LowUS$34.31
Beta0.64
1 Month Change-0.86%
3 Month Change5.17%
1 Year Change45.58%
3 Year Change110.85%
5 Year Change74.91%
Change since IPO1,522.25%

Recent News & Updates

Recent updates

Seeking Alpha • Jul 22

TrustCo Bank Is Getting Awfully Pricey, But It's Not Ready For A Downgrade Yet

Summary TrustCo Bank delivered an 80.5% stock gain, outperforming the S&P 500, driven by improved earnings and asset quality. TRST's Q2 2026 net interest income rose to $44.9 million, with net interest margin expanding to 2.87% and EPS increasing from $0.79 to $0.98. Despite improvements, TRST trades at a forward P/E of 14.2, above the preferred threshold, and asset quality, though improved, remains only modestly above minimums. I maintain a "Hold" rating on TRST due to valuation concerns and asset quality not fully justifying current trading multiples. Read the full article on Seeking Alpha
Analysis Article • Aug 23

TrustCo Bank Corp NY's (NASDAQ:TRST) Upcoming Dividend Will Be Larger Than Last Year's

TrustCo Bank Corp NY's ( NASDAQ:TRST ) periodic dividend will be increasing on the 1st of October to $0.38, with...
Seeking Alpha • Feb 17

Another Downgrade For TrustCo Bank

Summary TrustCo Bank's stock is downgraded from ‘buy’ to ‘hold’ due to its relatively high price-to-earnings ratio and only decent asset quality. Despite a 9.4% rise since December 2023, the stock underperformed the broader market and has seen a decline in net interest income and net profits. The bank's deposits and loans have grown, but rising interest rates have increased costs, impacting net profits and net interest margins. TrustCo Bank's price-to-book ratio is attractive, but its return on assets and equity are lower than most competitors, justifying the downgrade. Read the full article on Seeking Alpha
Analysis Article • Nov 23

TrustCo Bank Corp NY (NASDAQ:TRST) Is Due To Pay A Dividend Of $0.36

The board of TrustCo Bank Corp NY ( NASDAQ:TRST ) has announced that it will pay a dividend of $0.36 per share on the...
Seeking Alpha • Jul 22

TrustCo Bank: Very Strong Performance, Run A House Position

Summary TrustCo Bank Corp NY's Q2 earnings exceeded expectations with an improved return on assets and equity. Net interest margin increased, earnings per share beat expectations, and the stock remains attractive at $32.90 per share. TrustCo Bank saw growth in loans and deposits, maintained strong asset quality, and has a safe dividend payout ratio. If you followed our trade, consider running a house position now. Read the full article on Seeking Alpha
Analysis Article • Apr 26

Results: TrustCo Bank Corp NY Exceeded Expectations And The Consensus Has Updated Its Estimates

Investors in TrustCo Bank Corp NY ( NASDAQ:TRST ) had a good week, as its shares rose 4.2% to close at US$27.06...
Seeking Alpha • Apr 22

TrustCo Bank: Back To A 5.5% Yield, It Is A Buy

Summary TrustCo Bank Corp NY is a recommended regional bank for trading and investing, with stocks currently on sale. Q1 earnings showed respectable loan activity and revenue growth, surpassing expectations. TrustCo Bank's asset quality remains strong, with improving return metrics and a solid efficiency ratio. Buying back stock. Buy TrustCo Bank Corp NY stock for income, or trade for gains back over $30 per share. Read the full article on Seeking Alpha
Analysis Article • Nov 25

TrustCo Bank Corp NY (NASDAQ:TRST) Is Due To Pay A Dividend Of $0.36

The board of TrustCo Bank Corp NY ( NASDAQ:TRST ) has announced that it will pay a dividend of $0.36 per share on the...
Analysis Article • Mar 24

Should You Be Adding TrustCo Bank Corp NY (NASDAQ:TRST) To Your Watchlist Today?

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Analysis Article • Feb 25

TrustCo Bank Corp NY (NASDAQ:TRST) Is Increasing Its Dividend To $0.36

TrustCo Bank Corp NY ( NASDAQ:TRST ) will increase its dividend from last year's comparable payment on the 3rd of April...

Shareholder Returns

TRSTUS BanksUS Market
7D-3.9%-2.0%-0.1%
1Y45.6%11.8%11.9%

Return vs Industry: TRST exceeded the US Banks industry which returned 11.8% over the past year.

Return vs Market: TRST exceeded the US Market which returned 11.9% over the past year.

Price Volatility

Is TRST's price volatile compared to industry and market?
TRST volatility
TRST Average Weekly Movement2.7%
Banks Industry Average Movement3.0%
Market Average Movement6.8%
10% most volatile stocks in US Market15.1%
10% least volatile stocks in US Market2.9%

Stable Share Price: TRST has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: TRST's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1902742Rob McCormickwww.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.

TrustCo Bank Corp NY Fundamentals Summary

How do TrustCo Bank Corp NY's earnings and revenue compare to its market cap?
TRST fundamental statistics
Market capUS$964.96m
Earnings (TTM)US$65.07m
Revenue (TTM)US$194.77m
14.7x
P/E Ratio
1.5x
P/B Ratio

Is TRST overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TRST income statement (TTM)
RevenueUS$194.77m
Cost of RevenueUS$0
Gross ProfitUS$194.77m
Other ExpensesUS$129.70m
EarningsUS$65.07m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)3.82
Gross Margin100.00%
Net Profit Margin33.41%
Debt/Equity Ratio16.5%

How did TRST perform over the long term?

See historical performance and comparison

Dividends

2.7%
Current Dividend Yield
42%
Payout Ratio

Does TRST pay a reliable dividends?

See TRST dividend history and benchmarks
When do you need to buy TRST by to receive an upcoming dividend?
TrustCo Bank Corp NY dividend dates
Ex Dividend DateSep 04 2026
Dividend Pay DateOct 01 2026
Days until Ex dividend18 days
Days until Dividend pay date9 days

Does TRST pay a reliable dividends?

See TRST dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/21 21:38
End of Day Share Price 2026/09/21 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

TrustCo Bank Corp NY is covered by 4 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Travis LanKeefe, Bruyette, & Woods
Alexander Roberts TwerdahlPiper Sandler Companies
John CarsonSociete Generale Cross Asset Research