Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TRST
HoldPremium GrowerTrustCo Bank Corp NY · Financial Services · United States · $973M · Avg Vol: $8M/d
60
StockRankGet insider-trade alerts
Q
55
V
35
M
64
P/E (TTM)
16.1x
ROE
9.6%
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% | 194.8M |
| EPS | 3.93 | 3.08 | 2.57 | 3.26 | -6.0% | 3.60 |
| Shares | 19.0M | 19.0M | 19.0M | 18.0M | -5.2% | 17.0M |
| Debt | 49.0M | 44.5M | 40.2M | 36.4M | -9.4% | 144.7M |
| Equity | 600.0M | 645.3M | 676.3M | 686.6M | 4.6% | — |
| Op CF | 78.6M | 64.1M | 59.4M | 57.6M | -9.9% | 69.1M |
| Inv CF | -416.6M | -233.6M | -3.8M | -104.7M | — | — |
| Fin CF | -230.9M | 96.9M | 8.1M | 135.7M | — | — |
Loading 1Y...
PRICE (1Y)+3.3%
SMA 50SMA 200
Close
$58.42
RSI (14)
62.9
52W High
$58.57
From 52W High
1.0%
SCORE BREAKDOWN
Quality
55
ROIC (ROA)
1.0%*36.2
ROE
9.6%48.7
GP/Assets
3.0%N/A
Op. Margin
46.7%66.3
FCF/Assets
0.9%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.05xN/A
Current Ratio
bankN/A
Value
35
P/E (TTM)
16.1x34.7
EV/EBITDA
bankN/A
P/FCF
16.4xN/A
P/B
1.5x37.3
P/S
5.1x33.1
Div Yield
2.7%36.5
Momentum
64
52W High %
100%97.6
RS 6M
25%88.7
SMA 50/200
1.17x89.3
EPS Rev 4W
0.0%27.7
EPS Rev 12W
0.0%38.4
EPS Improve
-20%11.8
Q Growth
13%43.3
FUNDAMENTALS
Market Cap
$973M
P/E (Forward)
20.2x
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) | $973M | 60 | Hold |
| NBBK | NB Bancorp, Inc. | $984M | 61 | Hold |
| CCBG | Capital City Bank Group, Inc. | $879M | 60 | Hold |
| GSBC | Great Southern Bancorp, Inc. | $859M | 61 | Hold |
| AMTB | Amerant Bancorp Inc. | $1.1B | 58 | Hold |
| MCBS | MetroCity Bankshares, Inc. | $1.0B | 64 | Hold |
| SMBK | SmartFinancial, Inc. | $869M | 57 | Hold |
| FSBC | Five Star Bancorp | $1.1B | 62 | Hold |
| MBWM | Mercantile Bank Corporation | $1.0B | 65 | Buy |
| HFWA | Heritage Financial Corporation | $1.2B | 56 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%