TRUSTCO BANK CORP NY (TRST) Stock Fundamental Analysis

NASDAQ:TRST • US8983492047

43.37 USD
-1.5 (-3.34%)
At close: Feb 27, 2026
43.37 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

TRST gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. TRST may be in some trouble as it scores bad on both profitability and health. TRST is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year TRST was profitable.
  • In the past year TRST had a positive cash flow from operations.
  • Each year in the past 5 years TRST has been profitable.
  • Of the past 5 years TRST 4 years had a positive operating cash flow.
TRST Yearly Net Income VS EBIT VS OCF VS FCFTRST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • TRST's Return On Assets of 0.90% is in line compared to the rest of the industry. TRST outperforms 47.76% of its industry peers.
  • TRST has a Return On Equity (8.22%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 8.22%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.99%
ROE(3y)8.4%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
TRST Yearly ROA, ROE, ROICTRST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • TRST's Profit Margin of 31.06% is amongst the best of the industry. TRST outperforms 81.79% of its industry peers.
  • TRST's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TRST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.8%
PM growth 5Y1.14%
GM growth 3YN/A
GM growth 5YN/A
TRST Yearly Profit, Operating, Gross MarginsTRST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TRST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TRST has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for TRST has been reduced compared to 5 years ago.
  • TRST has a worse debt/assets ratio than last year.
TRST Yearly Shares OutstandingTRST Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
TRST Yearly Total Debt VS Total AssetsTRST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • TRST has a debt to FCF ratio of 2.24. This is a good value and a sign of high solvency as TRST would need 2.24 years to pay back of all of its debts.
  • TRST's Debt to FCF ratio of 2.24 is in line compared to the rest of the industry. TRST outperforms 44.33% of its industry peers.
  • TRST has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • TRST has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: TRST outperforms 56.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.24
Altman-Z N/A
ROIC/WACCN/A
WACC15.71%
TRST Yearly LT Debt VS Equity VS FCFTRST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TRST Yearly Current Assets VS Current LiabilitesTRST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • TRST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.46%, which is quite impressive.
  • Measured over the past 5 years, TRST shows a small growth in Earnings Per Share. The EPS has been growing by 3.62% on average per year.
  • The Revenue has grown by 9.40% in the past year. This is quite good.
  • TRST shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.93% yearly.
EPS 1Y (TTM)26.46%
EPS 3Y-6.16%
EPS 5Y3.62%
EPS Q2Q%44.07%
Revenue 1Y (TTM)9.4%
Revenue growth 3Y-1.96%
Revenue growth 5Y1.93%
Sales Q2Q%11.22%

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 YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
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.
TRST Yearly Revenue VS EstimatesTRST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
TRST Yearly EPS VS EstimatesTRST Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • TRST is valuated correctly with a Price/Earnings ratio of 13.34.
  • Based on the Price/Earnings ratio, TRST is valued a bit more expensive than the industry average as 61.48% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, TRST is valued rather cheaply.
Industry RankSector Rank
PE 13.34
Fwd PE N/A
TRST Price Earnings VS Forward Price EarningsTRST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • TRST's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TRST is more expensive than 70.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.92
EV/EBITDA N/A
TRST Per share dataTRST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.68
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.39%, TRST has a reasonable but not impressive dividend return.
  • TRST's Dividend Yield is a higher than the industry average which is at 2.73.
  • TRST's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

  • The dividend of TRST has a limited annual growth rate of 1.10%.
  • TRST has paid a dividend for at least 10 years, which is 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
TRST Yearly Dividends per shareTRST Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 48.14% 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.
DP48.14%
EPS Next 2YN/A
EPS Next 3YN/A
TRST Yearly Income VS Free CF VS DividendTRST Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
TRST Dividend Payout.TRST Dividend Payout, showing the Payout Ratio.TRST Dividend Payout.PayoutRetained Earnings

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TRUSTCO BANK CORP NY

NASDAQ:TRST (2/27/2026, 8:00:02 PM)

After market: 43.37 0 (0%)

43.37

-1.5 (-3.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-20
Inst Owners82.07%
Inst Owner Change-1.28%
Ins Owners3.01%
Ins Owner Change0.59%
Market Cap781.96M
Revenue(TTM)187.92M
Net Income(TTM)56.85M
Analysts40
Price TargetN/A
Short Float %2.49%
Short Ratio3.95
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
Yearly Dividend1.44
Dividend Growth(5Y)1.1%
DP48.14%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.53%
Min EPS beat(2)10.64%
Max EPS beat(2)12.42%
EPS beat(4)3
Avg EPS beat(4)6.21%
Min EPS beat(4)-9.62%
Max EPS beat(4)12.42%
EPS beat(8)6
Avg EPS beat(8)5.71%
EPS beat(12)7
Avg EPS beat(12)3.55%
EPS beat(16)11
Avg EPS beat(16)7.01%
Revenue beat(2)0
Avg Revenue beat(2)-1.68%
Min Revenue beat(2)-1.69%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-2.06%
Min Revenue beat(4)-3.24%
Max Revenue beat(4)-1.66%
Revenue beat(8)2
Avg Revenue beat(8)-2.94%
Revenue beat(12)3
Avg Revenue beat(12)-2.86%
Revenue beat(16)5
Avg Revenue beat(16)-1.62%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.34
Fwd PE N/A
P/S 4.27
P/FCF 17.92
P/OCF 14.1
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)3.25
EY7.49%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.42
FCFY5.58%
OCF(TTM)3.08
OCFY7.09%
SpS10.15
BVpS38.38
TBVpS38.38
PEG (NY)N/A
PEG (5Y)3.68
Graham Number52.98
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 8.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.06%
GM N/A
FCFM 23.84%
ROA(3y)0.89%
ROA(5y)0.99%
ROE(3y)8.4%
ROE(5y)9.6%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.8%
PM growth 5Y1.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.24
Debt/EBITDA N/A
Cap/Depr -14967.1%
Cap/Sales 6.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.71%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.46%
EPS 3Y-6.16%
EPS 5Y3.62%
EPS Q2Q%44.07%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.4%
Revenue growth 3Y-1.96%
Revenue growth 5Y1.93%
Sales Q2Q%11.22%
Revenue Next YearN/A
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-23.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-11.85%
OCF growth 3YN/A
OCF growth 5YN/A

TRUSTCO BANK CORP NY / TRST FAQ

Can you provide the ChartMill fundamental rating for TRUSTCO BANK CORP NY?

ChartMill assigns a fundamental rating of 3 / 10 to TRST.


What is the valuation status of TRUSTCO BANK CORP NY (TRST) stock?

ChartMill assigns a valuation rating of 1 / 10 to TRUSTCO BANK CORP NY (TRST). This can be considered as Overvalued.


How profitable is TRUSTCO BANK CORP NY (TRST) stock?

TRUSTCO BANK CORP NY (TRST) has a profitability rating of 3 / 10.


How sustainable is the dividend of TRUSTCO BANK CORP NY (TRST) stock?

The dividend rating of TRUSTCO BANK CORP NY (TRST) is 6 / 10 and the dividend payout ratio is 48.14%.