TRST Fundamental Analysis - TRUSTCO BANK CORP NY

Fundamental Rating

TRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of TRST have multiple concerns. TRST is valued correctly, but it does not seem to be growing. Finally TRST also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year TRST was profitable.

TRST had a positive operating cash flow in the past year.

Each year in the past 5 years TRST has been profitable.

In the past 5 years TRST always reported a positive cash flow from operatings.

1.2 Ratios

TRST's Return On Assets of 0.84% is in line compared to the rest of the industry. TRST outperforms 49.62% of its industry peers.

With a Return On Equity value of 7.72%, TRST perfoms like the industry average, outperforming 44.50% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	7.72%
ROIC	N/A

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.61%

ROE(5y)9.66%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

TRST's Profit Margin of 29.90% is amongst the best of the industry. TRST outperforms 80.56% of its industry peers.

TRST's Profit Margin has declined in the last couple of years.

TRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.9%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.24%

PM growth 5Y-3.02%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TRST does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, TRST has about the same amount of shares outstanding.

The number of shares outstanding for TRST has been reduced compared to 5 years ago.

TRST has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of TRST is 1.67, which is an excellent value as it means it would take TRST, only 1.67 years of fcf income to pay off all of its debts.

TRST has a Debt to FCF ratio (1.67) which is in line with its industry peers.

TRST has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

TRST has a Debt to Equity ratio of 0.12. This is in the better half of the industry: TRST outperforms 64.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.67
Altman-Z	N/A

ROIC/WACCN/A

WACC16.66%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.49% over the past year.

Measured over the past years, TRST shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.85% on average per year.

Looking at the last year, TRST shows a small growth in Revenue. The Revenue has grown by 2.36% in the last year.

Measured over the past years, TRST shows a decrease in Revenue. The Revenue has been decreasing by -0.30% on average per year.

EPS 1Y (TTM)8.49%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%19.7%

Revenue 1Y (TTM)2.36%

Revenue growth 3Y-1.24%

Revenue growth 5Y-0.3%

Sales Q2Q%7.27%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y15.89%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.69%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.86 indicates a correct valuation of TRST.

TRST's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of TRST to the average of the S&P500 Index (27.69), we can say TRST is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 12.13, the valuation of TRST can be described as correct.

TRST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TRST is more expensive than 68.54% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, TRST is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.86
Fwd PE	12.13

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TRST is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	13.84
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.81

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.39%, TRST is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.57, TRST pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, TRST pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.39%

5.2 History

The dividend of TRST has a limited annual growth rate of 1.10%.

TRST has been paying a dividend for at least 10 years, so it has a reliable track record.

TRST has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)1.1%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

51.25% of the earnings are spent on dividend by TRST. This is a bit on the high side, but may be sustainable.

TRST's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP51.25%

EPS Next 2YN/A

EPS Next 3YN/A

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TRUSTCO BANK CORP NY

NASDAQ:TRST (10/21/2025, 10:18:06 AM)

36.14

-0.15 (-0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners80.97%

Inst Owner Change-0.24%

Ins Owners2.9%

Ins Owner Change0.14%

Market Cap681.24M

Analysts40

Price TargetN/A

Short Float %2.18%

Short Ratio3.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.39%

Yearly Dividend1.44

Dividend Growth(5Y)1.1%

DP51.25%

Div Incr Years0

Div Non Decr Years4

Ex-Date09-05 2025-09-05 (0.38)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)11.03%

Min EPS beat(2)10.64%

Max EPS beat(2)11.41%

EPS beat(4)3

Avg EPS beat(4)7.35%

Min EPS beat(4)-9.62%

Max EPS beat(4)16.96%

EPS beat(8)5

Avg EPS beat(8)4.08%

EPS beat(12)7

Avg EPS beat(12)3.58%

EPS beat(16)11

Avg EPS beat(16)7.39%

Revenue beat(2)0

Avg Revenue beat(2)-1.67%

Min Revenue beat(2)-1.69%

Max Revenue beat(2)-1.66%

Revenue beat(4)1

Avg Revenue beat(4)-1.38%

Min Revenue beat(4)-3.24%

Max Revenue beat(4)1.08%

Revenue beat(8)2

Avg Revenue beat(8)-3.11%

Revenue beat(12)4

Avg Revenue beat(12)-2.19%

Revenue beat(16)5

Avg Revenue beat(16)-1.67%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.86
Fwd PE	12.13
P/S	3.81
P/FCF	13.84
P/OCF	11.52
P/B	0.98
P/tB	0.98
EV/EBITDA	N/A

EPS(TTM)2.81

EY7.78%

EPS(NY)2.98

Fwd EY8.24%

FCF(TTM)2.61

FCFY7.23%

OCF(TTM)3.14

OCFY8.68%

SpS9.49

BVpS36.75

TBVpS36.75

PEG (NY)0.81

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	7.72%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.9%
GM	N/A
FCFM	27.52%

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.61%

ROE(5y)9.66%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.24%

PM growth 5Y-3.02%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.67
Debt/EBITDA	N/A
Cap/Depr	85.37%
Cap/Sales	5.56%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	92.05%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.66%

ROIC/WACCN/A

Cap/Depr(3y)62.64%

Cap/Depr(5y)69.92%

Cap/Sales(3y)2.58%

Cap/Sales(5y)2.3%

Profit Quality(3y)103.63%

Profit Quality(5y)101.53%

High Growth Momentum

Growth

EPS 1Y (TTM)8.49%

EPS 3Y-7%

EPS 5Y-2.85%

EPS Q2Q%19.7%

EPS Next Y15.89%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.36%

Revenue growth 3Y-1.24%

Revenue growth 5Y-0.3%

Sales Q2Q%7.27%

Revenue Next Year11.69%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-35.24%

FCF growth 3Y1.23%

FCF growth 5Y-1.85%

OCF growth 1Y-26.05%

OCF growth 3Y2.38%

OCF growth 5Y-1.41%

TRUSTCO BANK CORP NY (TRST) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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