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TRST Stock Chart & Stats
$57.35
-$0.05(-0.10%)
At close: 4:00 PM EDT
$57.35
-$0.05(-0.10%)
Day’s Range― - ―
52-Week Range$34.31 - $58.98
Previous CloseN/A
Volume48.39K
Average Volume (3M)121.08K
Market Cap
$976.54M
Enterprise Value$1.05K
Total Cash (Recent Filing)$44.50M
Total Debt (Recent Filing)$144.74M
Price to Earnings (P/E)15.8
Beta0.71
Next Earnings
Oct 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.68%
Share Statistics
EPS (TTM)3.60
Shares Outstanding17,027,740
10 Day Avg. Volume158,144
30 Day Avg. Volume121,083
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
Conservative LeverageTrustCo’s low and improving leverage (debt-to-equity ~0.22) provides durable capital flexibility. A conservative balance sheet reduces solvency risk in downturns, supports dividend and buyback programs, and leaves room for measured lending or investment growth without over-reliance on wholesale funding.
Strong Cash GenerationConsistent operating and free cash flow at scale underpins TrustCo’s ability to fund dividends, buybacks and loan growth internally. High historical cash conversion (FCF near 92% of net income) signals lasting internal capital generation that supports capital deployment without heavy external financing.
Interest-margin And Loan/deposit GrowthSustained net interest income growth, an expanding NIM and concurrent loan and deposit increases indicate durable core earnings capacity. For a regional thrift focused on mortgages and deposit funding, healthy NII plus stable deposit funding supports predictable spread-driven profitability over the medium term.
Bears Say
Revenue Decline And Margin CompressionA meaningful TTM revenue decline combined with operating margin normalization from earlier highs signals weaker top-line momentum and reduced operating leverage. If revenue weakness persists, it pressures long-term earnings power and limits the cushion available for capital returns and investment.
Asset-quality DeteriorationRising NPLs alongside a lower allowance coverage ratio weakens the bank’s credit cushion. Continued asset-quality deterioration would increase provisioning needs and reduce capital available for dividends or buybacks, and could signal sector or borrower stress in the bank’s core mortgage and commercial book.
Elevated Noninterest Expense And ORE VariabilityHigher recurring noninterest costs and variability in other real estate expenses compress operating margins and reduce efficiency. If payroll and professional-fee pressures persist, they will structurally limit net income improvement and make margin recovery harder even if net interest income remains favorable.
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 $58.98 in the past 12 months.
What is Trustco Bank Corp NY’s market cap?
Trustco Bank Corp NY’s market cap is $976.54M.
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 63 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, beating the consensus estimate of N/A by $0.98.
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 $0.38 which represents an annual dividend yield of 2.68%. 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, beating expectations of N/A. Following the earnings report the stock price went up 0.431%.
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
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3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
TRST Sentiment 100%
Sector Average 54%
Sector Average 54%
Hedge Fund Trend
Decreased
By 5.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $16.3K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.85%
12-Months-Change
Fundamentals
Return on Equity
2.68%
Trailing 12-Months
Asset Growth
2.78%
Trailing 12-Months
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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Ownership Overview
3.90% Insiders
19.32% Mutual Funds
17.43% Other Institutional Investors
28.37% Public Companies and
Individual Investors