TRUSTCO BANK CORP NY (TRST) Fundamental Analysis & Valuation
NASDAQ:TRST • US8983492047
43.83 USD
-0.23 (-0.52%)
At close: Mar 6, 2026
43.83 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
This TRST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 3 out of 10 to TRST. TRST was compared to 379 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.
1. TRST Profitability Analysis
1.1 Basic Checks
- TRST had positive earnings in the past year.
- TRST had a positive operating cash flow in the past year.
- TRST had positive earnings in each of the past 5 years.
- Of the past 5 years TRST 4 years had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.90%, TRST perfoms like the industry average, outperforming 47.76% of the companies in the same industry.
- The Return On Equity of TRST (8.22%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- TRST has a better Profit Margin (31.06%) than 81.79% of its industry peers.
- TRST's Profit Margin has been stable 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) | 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
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.
- The debt/assets ratio for TRST is higher compared to a year ago.
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.
- Looking at the Debt to FCF ratio, with a value of 2.24, TRST is in line with its industry, outperforming 44.33% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. TRST Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 26.46% over the past year.
- TRST shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.62% yearly.
- The Revenue has grown by 9.40% in the past year. This is quite good.
- Measured over the past years, TRST shows a small growth in Revenue. The Revenue has been growing by 1.93% on average per year.
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.
4. TRST Valuation Analysis
4.1 Price/Earnings Ratio
- TRST is valuated correctly with a Price/Earnings ratio of 13.49.
- Based on the Price/Earnings ratio, TRST is valued a bit more expensive than the industry average as 64.12% of the companies are valued more cheaply.
- TRST is valuated rather cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TRST indicates a slightly more expensive valuation: TRST is more expensive than 70.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.72
EPS Next 2YN/A
EPS Next 3YN/A
5. TRST Dividend Analysis
5.1 Amount
- TRST has a Yearly Dividend Yield of 3.39%. 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.
- Compared to an average S&P500 Dividend Yield of 1.82, TRST pays a better dividend.
| Industry Rank | Sector 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
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.
- The dividend of TRST is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.14%
EPS Next 2YN/A
EPS Next 3YN/A
TRST Fundamentals: All Metrics, Ratios and Statistics
43.83
-0.23 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2026-01-21/amc
Earnings (Next)04-20 2026-04-20
Inst Owners82.07%
Inst Owner Change-1.28%
Ins Owners3.01%
Ins Owner Change0.59%
Market Cap790.25M
Revenue(TTM)187.92M
Net Income(TTM)56.85M
Analysts40
Price TargetN/A
Short Float %2.81%
Short Ratio4.24
Dividend
| Industry Rank | Sector 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 2026-03-06 (0.38)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | N/A | ||
| P/S | 4.32 | ||
| P/FCF | 18.11 | ||
| P/OCF | 14.25 | ||
| P/B | 1.14 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.25
EY7.42%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.42
FCFY5.52%
OCF(TTM)3.08
OCFY7.02%
SpS10.15
BVpS38.38
TBVpS38.38
PEG (NY)N/A
PEG (5Y)3.72
Graham Number52.98
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC15.81%
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%.