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TRSTTrustCo Bank Corp NY
$55.96$946M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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TRST logo

TrustCo Bank Corp NY

TRST
NASDAQ · Regional Banks
$55.96
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$953M
P/E17.2x
52W High$59.28
Volume104.18K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Accelerating NII Growth Offsets Fee Income Volatility

TrustCo Bank is demonstrating accelerating net interest income growth, with NII up 9.2% year-over-year to $45.6M in Q2 2026, supported by a modest NIM expansion to 0.7% and a strong efficiency ratio of 37.9%. The bank maintains a fortress balance sheet with eq...

GrowthAccelerating
ProfitabilityStrong
ValuationExpensive
TechnicalsMixed
Explore valuation models
MARKET ACTION

TRST price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+7% Peers

P/E is 7% above peer median

03

Market leadership

RS 79 · Avg

Average momentum (RS Rating: 79)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 21

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
TRST+38.37%
S&P 500 (^GSPC)+13.20%
1-Year Return
TRST+48.58%
S&P 500 (^GSPC)+15.98%
3-Year Return
TRST+126.47%
S&P 500 (^GSPC)+80.49%
5-Year Return
TRST+108.71%
S&P 500 (^GSPC)+73.43%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
17.1x
Forward P/E
19.4x
EV/EBITDA100th %ile
11.7x
FCF YieldCash Flow
4.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
17.1x
10.4x
100th· High
EV/EBITDA
11.7x
9.4x
100th· High
Price/FCF
20.7x
11.6x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$21.58-61.4%
Base (Fair)$40.48-29.4%
Bull$64.43+15.1%
$21.58 Bear$40.48 Base$64.43 Bull
Current Market Price: $55.96
Trades at a 38.2% premium to Base DCF ($40.48)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$188M+9.4% YoY
Net income
$61M+25.2% YoY
Free cash flow
$46M-16.2% YoY
Operating margin
29.2%+4.8 pts YoY
ROIC (TTM)7.4%
Avg ROIC 5Y-
ROE (TTM)9%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (88%)
Revenue Beat Rate6/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 21, 2026
$0.98
vs —
$51M
vs —
Q2 2026
Apr 21, 2026
$0.91
vs —
$50M
vs —
Q2 2026
Mar 16, 2026
$0.85
vs —
$71M
vs —
Q1 2026
Jan 21, 2026
$0.85+6.3%
vs $0.80
$71M+44.8%
vs $49M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Sep 16, 2026
TrustCo Announces Addition of Patricia Fusco and Bryan L. Guentner to Board of Directors

GLENVILLE, N.Y., Sept. 16, 2026 (GLOBE NEWSWIRE) -- The Board of Directors (the “Board”) of TrustCo Bank Corp NY (the “Company”) (Nasdaq: TRST) on September 15, 2026 announced the election of Patricia Kieper-Fusco and Bryan L. Guentner to the Company's Board. The pair also was elected to the board of directors of Trustco Bank, the Company's wholly-owned subsidiary. The elections are effective immediately.

MarketBeat·Sep 15, 2026
Trustpilot Group H1 Earnings Call Highlights

Trustpilot Group LON: TRST reported first-half 2026 bookings growth of 18% at constant currency, supported by enterprise customer demand and a 27% increase in North American bookings, while adjusted EBITDA rose 46% to a record $26.3 million.

GlobeNewsWire·Aug 18, 2026
TrustCo Increases Dividend 5.3%: Long-Term Commitment to Payouts Supported by Solid Earnings and Strong Capital Position More Great News For Our Shareholders

GLENVILLE, N.Y., Aug. 18, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of TrustCo Bank Corp NY (TrustCo, Nasdaq: TRST) on August 18, 2026 declared an increased quarterly cash dividend of $0.40 per share, or $1.60 per share on an annualized basis. The declared dividend represents an increase of 5.3% over the prior dividend amount. The dividend will be payable on October 1, 2026 to shareholders of record at the close of business on September 4, 2026.

Defense World·Aug 5, 2026
TrustCo Bank Corp NY (NASDAQ:TRST) Shares Cross Above Two Hundred Day Moving Average – Here’s Why

Shares of TrustCo Bank Corp NY (NASDAQ: TRST - Get Free Report) passed above its 200-day moving average during trading on Tuesday. The stock has a 200-day moving average of $48.61 and traded as high as $58.45. TrustCo Bank Corp NY shares last traded at $57.74, with a volume of 99,658 shares changing hands. Analyst

Filtered for TrustCo Bank Corp NYMore Headlines
04

Compare before deciding

Benchmark TRST against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for TrustCo Bank Corp NY (TRST)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TRST logoTRSTTrustCo Bank Corp NYCurrent
$55.96$952.89M17.229.38%21.97%8.97%2.69%
NBTB logoNBTBNBT Bancorp Inc.
$50.85$2.64B15.2714.54%22.65%11.26%—
CBSH logoCBSHCommerce Bancshares, Inc.
$55.68$8.12B13.656.26%26.11%14.78%—
FISI logoFISIFinancial Institutions, Inc.
$40.32$793.75M11.17113.87%26.18%13.09%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$15.31$639.41M773.23-43.3%1.79%0.68%—
CHMG logoCHMGChemung Financial Corporation
$81.97$395.08M26.19-1.92%24.21%12.98%—

Compare TRST vs Peers

TrustCo Bank Corp NY (TRST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for TRST.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TRST against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CBSH, FISI, NFBK

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

TRST SEC Filings & Documents

TrustCo Bank Corp NY (TRST) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 18, 2026·SEC

Material company update

Jul 21, 2026·SEC

Material company update

Jul 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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TRST Frequently Asked Questions

TrustCo Bank Corp NY (TRST) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is TrustCo Bank Corp NY growing?

TrustCo Bank Corp NY (TRST) grew revenue by 9.4% over the past year. This is steady growth.

Is TRST profitable?

Yes, TrustCo Bank Corp NY (TRST) is profitable, generating $65.1M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns
Does TRST pay dividends?

Yes, TrustCo Bank Corp NY (TRST) pays a dividend with a yield of 2.69%. This makes it attractive for income-focused investors.

What is TRST's return on equity?

TrustCo Bank Corp NY (TRST) has a return on equity (ROE) of 9.0%. This is below average, suggesting room for improvement.

Industry Metrics
What is TrustCo Bank Corp NY's net interest margin?

TrustCo Bank Corp NY (TRST) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is TrustCo Bank Corp NY's efficiency ratio?

TrustCo Bank Corp NY (TRST) has an efficiency ratio of 37.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TRST back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →