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TRST Stock Chart & Stats
$56.91
-$0.05(-0.10%)
At close: 4:00 PM EDT
$56.91
-$0.05(-0.10%)
Day’s Range― - ―
52-Week Range$34.31 - $59.28
Previous CloseN/A
Volume48.39K
Average Volume (3M)145.37K
Market Cap
$932.27M
Enterprise Value$1.05K
Total Cash (Recent Filing)$44.50M
Total Debt (Recent Filing)$144.74M
Price to Earnings (P/E)15.5
Beta0.69
Next Earnings
Oct 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.77%
Share Statistics
EPS (TTM)3.60
Shares Outstanding17,027,740
10 Day Avg. Volume148,218
30 Day Avg. Volume145,373
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)1.10
Price to Sales (P/S)2.71
P/FCF Ratio16.51
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 GrowthHigher net interest income and an expanded margin show that TrustCo is currently converting its loan and investment base into stronger core revenue. This supports recurring profitability and indicates that funding costs and asset yields remain favorably aligned as management manages changing interest rates.
Loan And Deposit GrowthSimultaneous loan and deposit growth strengthens TrustCo’s core banking franchise by expanding earning assets while preserving a substantial customer funding base. Continued residential, home-equity, and commercial lending growth can support future interest income if credit performance remains controlled.
Conservative Balance Sheet And Cash GenerationLow and improving leverage provides financial flexibility, while free cash flow that closely tracks earnings indicates strong internal cash generation. Together, these characteristics support capital returns, lending activity, and resilience without relying heavily on additional balance-sheet leverage.
Bears Say
Revenue And Margin ContractionThe decline in revenue and substantial margin normalization indicate that TrustCo’s recent earnings power is weaker than during its strongest historical periods. If lower revenue and operating profitability persist, they could limit organic capital formation and reduce flexibility for growth and shareholder distributions.
Rising Nonperforming LoansHigher nonperforming loans and assets represent emerging credit pressure within the lending portfolio, even though reported NPLs remain 0.4% of total loans. Further deterioration could increase provisions, reduce net interest income through lost accruals, and weigh on profitability over coming quarters.
Lower Equity-to-Assets RatioA lower equity-to-assets ratio modestly reduces the balance sheet’s capital cushion relative to the prior year. While TrustCo still reports conservative leverage, continued asset growth, credit deterioration, or capital distributions could further reduce flexibility to absorb losses or pursue expansion.
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 $34.31 and its highest was $59.28 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $932.27M.
When is Trustco Bank Corp NY’s upcoming earnings report date?
Trustco Bank Corp NY’s upcoming earnings report date is Oct 21, 2026 which is in 18 days.
How were Trustco Bank Corp NY’s earnings last quarter?
Trustco Bank Corp NY released its earnings results on Jul 21, 2026. The company reported $0.98 earnings per share for the quarter.
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 $0.4 which represents an annual dividend yield of 2.77%. 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 17,027,740 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 $0.98 in its last earnings report. Following the earnings report the stock price went up 0.43%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
TRST Sentiment 67%
Sector Average 62%
Sector Average 62%
Hedge Fund Trend
Decreased
By 21.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $30.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
60.82%
12-Months-Change
Fundamentals
Return on Equity
2.77%
Trailing 12-Months
Asset Growth
2.78%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Trustco Bank Corp NY
TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices in Glenville, New York.
TRST Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a largely positive operational and financial picture: robust net income growth (+12.8% YoY), stronger net interest income (+9.2% YoY) and expanded margin, meaningful loan and deposit growth, active share repurchases, and solid recurring wealth management revenues. Offsets include a notable YoY increase in nonperforming loans/assets (~21% increase), a year-over-year decline in allowance coverage percentage, and a near-term uptick in noninterest expenses driven by compensation and professional fees. On balance, the strengths in core earning metrics, capital deployment and sustained loan/deposit growth outweigh the modest asset quality and expense concerns.View all TRST earnings summariesTechnical Analysis
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Five Star
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Ownership Overview
3.90% Insiders
19.32% Mutual Funds
17.43% Other Institutional Investors
33.16% Public Companies and
Individual Investors