Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TRST
BUYTrustCo Bank Corp NY · Financial Services · United States · $977M · Avg Vol: $7M/d
67
StockRankGet insider-trade alerts
Q
55
V
36
M
70
P/E (TTM)
16.1x
ROE
9.3%
D/E
0.1x
Dividend %
2.7%
COMPANY DESCRIPTION
TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 199.4M | 190.2M | 171.8M | 187.9M | -2.0% | 189.9M |
| EPS | 3.93 | 3.08 | 2.57 | 3.26 | -6.0% | 3.44 |
| Shares | 19.0M | 19.0M | 19.0M | 18.0M | -5.2% | 17.5M |
| Debt | 49.0M | 44.5M | 40.2M | 36.4M | -9.4% | 148.8M |
| Equity | 600.0M | 645.3M | 676.3M | 686.6M | 4.6% | — |
| Op CF | 78.6M | 64.1M | 59.4M | 57.6M | -9.9% | 68.1M |
| Inv CF | -416.6M | -233.6M | -3.8M | -104.7M | — | — |
| Fin CF | -230.9M | 96.9M | 8.1M | 135.7M | — | — |
Loading 1Y...
PRICE (1Y)+4.5%
SMA 50SMA 200
Close
$57.35
RSI (14)
67.9
52W High
$57.87
From 52W High
1.0%
SCORE BREAKDOWN
Quality
55
ROIC (ROA)
1.0%*36.7
ROE
9.3%48.1
GP/Assets
2.9%N/A
Op. Margin
47.0%68.2
FCF/Assets
0.9%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.05xN/A
Current Ratio
bankN/A
Value
36
P/E (TTM)
16.1x36.3
EV/EBITDA
bankN/A
P/FCF
16.5xN/A
P/B
1.4x36.7
P/S
5.1x35.2
Div Yield
2.7%34.3
Momentum
70
52W High %
99%88.5
RS 6M
20%89.3
SMA 50/200
1.18x91.9
EPS Rev 4W
0.0%69.8
EPS Rev 12W
0.0%55.6
EPS Improve
-17%13.6
Q Growth
14%48.4
FUNDAMENTALS
Market Cap
$977M
P/E (Forward)
19.3x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TRST are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TRST | TrustCo Bank Corp NY(you) | $977M | 67 | BUY |
| FSBC | Five Star Bancorp | $1.0B | 68 | BUY |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | BUY |
| GSBC | Great Southern Bancorp, Inc. | $863M | 67 | BUY |
| SMBC | Southern Missouri Bancorp, Inc. | $855M | 67 | BUY |
| SPFI | South Plains Financial, Inc. | $841M | 68 | BUY |
| CCBG | Capital City Bank Group, Inc. | $882M | 65 | BUY |
| NBN | Northeast Bank | $1.1B | 69 | BUY |
| HFWA | Heritage Financial Corporation | $1.2B | 67 | BUY |
| SBSI | Southside Bancshares, Inc. | $1.0B | 62 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%