TRUSTCO BANK CORP NY (TRST) Fundamental Analysis & Valuation

NASDAQ:TRST • US8983492047

Current stock price

46.185 USD
+0.91 (+2.02%)
Last:

This TRST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TRST Profitability Analysis

1.1 Basic Checks

  • In the past year TRST was profitable.
  • In the past year TRST had a positive cash flow from operations.
  • In the past 5 years TRST has always been profitable.
  • In the past 5 years TRST always reported a positive cash flow from operatings.
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

  • With a Return On Assets value of 0.95%, TRST perfoms like the industry average, outperforming 50.79% of the companies in the same industry.
  • TRST has a Return On Equity (8.90%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 8.9%
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 has a Profit Margin of 32.53%. This is amongst the best in the industry. TRST outperforms 84.21% of its industry peers.
  • In the last couple of years the Profit Margin of TRST has remained more or less at the same level.
  • TRST does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 32.53%
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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3

2. TRST Health Analysis

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 less shares outstanding
  • 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

  • The Debt to FCF ratio of TRST is 2.62, which is a good value as it means it would take TRST, 2.62 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.62, TRST is in line with its industry, outperforming 42.63% of the companies in the same industry.
  • TRST has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.17, TRST is in line with its industry, outperforming 50.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.62
Altman-Z N/A
ROIC/WACCN/A
WACC15.47%
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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3

3. TRST Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.46% over the past year.
  • The Earnings Per Share has been growing slightly by 3.62% on average over the past years.
  • Looking at the last year, TRST shows a quite strong growth in Revenue. The Revenue has grown by 9.40% in the last year.
  • 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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1

4. TRST Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.21, which indicates a correct valuation of TRST.
  • Based on the Price/Earnings ratio, TRST is valued a bit more expensive than the industry average as 64.74% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of TRST to the average of the S&P500 Index (26.21), we can say TRST is valued slightly cheaper.
Industry RankSector Rank
PE 14.21
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

  • Based on the Price/Free Cash Flow ratio, TRST is valued a bit more expensive than 72.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.21
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)3.92
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. TRST Dividend Analysis

5.1 Amount

  • TRST has a Yearly Dividend Yield of 3.56%. Purely for dividend investing, there may be better candidates out there.
  • 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 1.89.
Industry RankSector Rank
Dividend Yield 3.56%

5.2 History

  • The dividend of TRST has a limited annual growth rate of 1.87%.
  • TRST has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As TRST did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)1.87%
Div Incr Years1
Div Non Decr Years5
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

  • TRST pays out 45.18% of its income as dividend. 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.
DP45.18%
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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TRST Fundamentals: All Metrics, Ratios and Statistics

TRUSTCO BANK CORP NY

NASDAQ:TRST (4/8/2026, 12:49:23 PM)

46.185

+0.91 (+2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-27
Inst Owners81.98%
Inst Owner Change0%
Ins Owners2.88%
Ins Owner Change0.63%
Market Cap832.72M
Revenue(TTM)187.92M
Net Income(TTM)61.14M
Analysts40
Price TargetN/A
Short Float %3.45%
Short Ratio4.49
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend1.49
Dividend Growth(5Y)1.87%
DP45.18%
Div Incr Years1
Div Non Decr Years5
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.65%
Min EPS beat(2)2.88%
Max EPS beat(2)12.42%
EPS beat(4)4
Avg EPS beat(4)9.34%
Min EPS beat(4)2.88%
Max EPS beat(4)12.42%
EPS beat(8)7
Avg EPS beat(8)8.92%
EPS beat(12)7
Avg EPS beat(12)3.04%
EPS beat(16)11
Avg EPS beat(16)6.45%
Revenue beat(2)0
Avg Revenue beat(2)-2.57%
Min Revenue beat(2)-3.46%
Max Revenue beat(2)-1.67%
Revenue beat(4)0
Avg Revenue beat(4)-2.12%
Min Revenue beat(4)-3.46%
Max Revenue beat(4)-1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.57%
Revenue beat(12)2
Avg Revenue beat(12)-3.24%
Revenue beat(16)5
Avg Revenue beat(16)-1.82%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.21
Fwd PE N/A
P/S 4.43
P/FCF 18.21
P/OCF 14.46
P/B 1.21
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)3.25
EY7.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.54
FCFY5.49%
OCF(TTM)3.19
OCFY6.92%
SpS10.42
BVpS38.08
TBVpS38.08
PEG (NY)N/A
PEG (5Y)3.92
Graham Number52.77
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 8.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.53%
GM N/A
FCFM 24.34%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.62
Debt/EBITDA N/A
Cap/Depr 246.42%
Cap/Sales 6.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.47%
ROIC/WACCN/A
Cap/Depr(3y)163.91%
Cap/Depr(5y)130.21%
Cap/Sales(3y)4.05%
Cap/Sales(5y)3.12%
Profit Quality(3y)95.41%
Profit Quality(5y)94.24%
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-16.17%
FCF growth 3Y-15.12%
FCF growth 5Y-4.77%
OCF growth 1Y-3.09%
OCF growth 3Y-9.84%
OCF growth 5Y-1.52%

TRUSTCO BANK CORP NY / TRST Fundamental Analysis 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 for TRST stock?

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


What is the profitability of TRST stock?

TRUSTCO BANK CORP NY (TRST) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for TRST stock?

The Price/Earnings (PE) ratio for TRUSTCO BANK CORP NY (TRST) is 14.21 and the Price/Book (PB) ratio is 1.21.


Can you provide the financial health for TRST stock?

The financial health rating of TRUSTCO BANK CORP NY (TRST) is 3 / 10.