TRST Fundamental Analysis - TRUSTCO BANK CORP NY

Fundamental Rating

Taking everything into account, TRST scores 3 out of 10 in our fundamental rating. TRST was compared to 393 industry peers in the Banks industry. TRST may be in some trouble as it scores bad on both profitability and health. TRST has a expensive valuation and it also scores bad on growth. Finally TRST also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year TRST was profitable.

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

In the past 5 years TRST has always been profitable.

Each year in the past 5 years TRST had a positive operating cash flow.

1.2 Ratios

TRST has a Return On Assets of 0.84%. This is comparable to the rest of the industry: TRST outperforms 50.13% of its industry peers.

TRST has a Return On Equity (7.72%) which is in line with its industry peers.

		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 has a Profit Margin of 29.90%. This is amongst the best in the industry. TRST outperforms 80.92% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for TRST remains at a similar level compared to 1 year ago.

TRST has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, TRST has an improved debt to assets ratio.

2.2 Solvency

TRST has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.

TRST's Debt to FCF ratio of 1.67 is in line compared to the rest of the industry. TRST outperforms 55.22% of 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.

The Debt to Equity ratio of TRST (0.12) is better than 64.38% of its industry peers.

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

ROIC/WACCN/A

WACC16.23%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

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

TRST shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.85% yearly.

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

The Revenue has been decreasing by -0.30% on average over the past years.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.16, the valuation of TRST can be described as correct.

61.32% of the companies in the same industry are cheaper than TRST, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of TRST to the average of the S&P500 Index (27.17), we can say TRST is valued slightly cheaper.

The Price/Forward Earnings ratio is 13.36, which indicates a correct valuation of TRST.

TRST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TRST is more expensive than 70.23% of the companies in the same industry.

TRST's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.78.

		Industry Rank	Sector Rank
PE	14.16
Fwd PE	13.36

4.2 Price Multiples

TRST's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	15.24
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)0.89

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

TRST has a Yearly Dividend Yield of 4.22%, which is a nice return.

Compared to an average industry Dividend Yield of 3.30, TRST pays a bit more dividend than its industry peers.

TRST's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.22%

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.

The dividend of TRST is growing, but earnings are growing more, so the dividend growth is sustainable.

DP51.25%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

TRUSTCO BANK CORP NY

NASDAQ:TRST (8/28/2025, 8:00:02 PM)

After market: 39.79 0 (0%)

39.79

+0.47 (+1.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-20 2025-10-20/amc

Inst Owners78.95%

Inst Owner Change2.39%

Ins Owners3.04%

Ins Owner Change0.13%

Market Cap750.04M

Analysts40

Price TargetN/A

Short Float %1.61%

Short Ratio3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.22%

Yearly Dividend1.44

Dividend Growth(5Y)1.1%

DP51.25%

Div Incr Years0

Div Non Decr Years4

Ex-Date06-06 2025-06-06 (0.36)

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	14.16
Fwd PE	13.36
P/S	4.19
P/FCF	15.24
P/OCF	12.68
P/B	1.08
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)2.81

EY7.06%

EPS(NY)2.98

Fwd EY7.49%

FCF(TTM)2.61

FCFY6.56%

OCF(TTM)3.14

OCFY7.89%

SpS9.49

BVpS36.75

TBVpS36.75

PEG (NY)0.89

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

WACC16.23%

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

More info and screens

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

More info and screens