Trailing Dividend / Share
$1.51
TrustCo Bank Corp NY (TRST) Dividend History
Income profile from 1984 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.6%
Payout Ratio
45.2%
Sustainable
Dividend Streak
1 years
TRST Dividend Income Check
Safety
45.2% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 4.5% and trend is rising.
TRST Dividend Scorecard
Yield & Income
Dividend Yield2.6%
Trailing DPS$1.51
FrequencyQuarterly
Payments / 12M4
Payout Safety
Earnings Payout45.2%
Earnings SafetySustainable
FCF Payout34.5%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak1 years
3Y CAGR1.6%
5Y CAGR1.7%
Yield on Cost (5Y)4.5%
YOC Trendrising
Total Returns
Buyback Yield3.9%
Total Shareholder Yield6.5%
1Y Total Return51.7%
5Y Total Return86.4%
Div Contribution (5Y)21.0%
Estimated $10K growth (return + dividends):
5Y ago$18,63810Y ago$20,52020Y ago$16,116
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
TRST Income Growth Story
Dividend per share and yield on cost over time (43 years of payments)
TRST Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
TrustCo Bank Corp NY distributes 45.2% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 34.5%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
TRST has raised its dividend for 1 consecutive year, with a 3-year CAGR of 1.6% and 5-year CAGR of 1.7%.
Total Shareholder Returns
Beyond cash dividends, TRST returns capital through share repurchases. The combined picture: 2.6% dividend yield, 3.9% buyback yield, 6.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 4.5% and is currently rising. The 5-year total return is 86.4%, with dividends contributing 21.0% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $20,520 today.
TRST Recent Dividend Payments
Last 20 payments · Quarterly
TTM Total$7.28
Avg/Payment$0.3640
Latest Change+5.3%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Sep 4, 2026Latest | $0.4000 | ↑ +5.3% | 2.66% | Oct 1, 2026 |
| Jun 5, 2026 | $0.3800 | — | 2.89% | Jul 1, 2026 |
| Mar 6, 2026 | $0.3800 | — | 3.42% | Apr 1, 2026 |
| Dec 5, 2025 | $0.3800 | — | 3.48% | Jan 2, 2026 |
| Sep 5, 2025 | $0.3800 | ↑ +5.6% | 3.65% | Oct 1, 2025 |
| Jun 6, 2025 | $0.3600 | — | 4.58% | Jul 1, 2025 |
| Mar 7, 2025 | $0.3600 | — | 4.64% | Apr 1, 2025 |
| Dec 6, 2024 | $0.3600 | — | 3.97% | Jan 2, 2025 |
TRST Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
2.6%
#3 of 8
Safety
Sustainable
45.2% payout
Streak
1Y
1.7% 5Y CAGR
Total Shareholder
6.5%
#2 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd TRSTTrustCo Bank Corp NY | $976M | 2.6% | 45.2% | 1 | Sustainable |
2nd  NBTBNBT Bancorp Inc. | $2.7B | 2.7% | 42.9% | 13 | Sustainable |
 CBSHCommerce Bancshares,… | $8.0B | 2.0% | 26.5% | 8 | Sustainable |
1st  FISIFinancial Institutio… | $782M | 3.1% | 33.0% | 1 | Sustainable |
 CHMGChemung Financial Co… | $408M | 1.6% | 41.9% | 1 | Sustainable |
 WSFSWSFS Financial Corpo… | $4.1B | 0.9% | 12.9% | 1 | Sustainable |
 EGBNEagle Bancorp, Inc. | $1.0B | 1.5% | — | 0 | Unknown |
 DCOMDime Community Bancs… | $1.9B | 2.4% | 38.8% | 0 | Sustainable |
TRST Annual Dividend History (1984–2026)
43 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $1.16 | — | 3 | — | — | — | 3.5% |
| 2025 | $1.48 | 2.8% | 4 | $3.25 | 45.5% | 2.20x | 4.5% |
| 2024 | $1.44 | 0.0% | 4 | $2.57 | 56.0% | 1.78x | 4.3% |
| 2023 | $1.44 | 2.1% | 4 | $3.08 | 46.8% | 2.14x | 4.3% |
| 2022 | $1.41 | 2.8% | 4 | $3.93 | 35.9% | 2.79x | 4.2% |
| 2021 | $1.37 | 0.7% | 4 | $3.19 | 43.0% | 2.32x | 4.1% |
| 2020 | $1.36 | 0.0% | 4 | $2.72 | 50.1% | 2.00x | 4.1% |
| 2019 | $1.36 | 1.9% | 4 | $2.98 | 45.7% | 2.19x | 4.1% |
| 2018 | $1.34 | 1.9% | 4 | $3.18 | 42.1% | 2.38x | 4.0% |
| 2017 | $1.31 | 0.0% | 4 | $2.24 | 58.6% | 1.71x | 4.0% |
Consensus & Technical Research Suite
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Historical Returns
42+ years return with dividends reinvested.
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Peer Comparison
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TRST — Frequently Asked Questions
Quick answers to the most common questions about buying TRST stock.
How much dividend does TRST pay per share?
TrustCo Bank Corp NY (TRST) pays a trailing 12-month dividend of $1.51 per share, with a current dividend yield of +2.6%. Payments are made Quarterly.
When is TRST's next ex-dividend date?
TRST's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. TRST typically pays dividends Quarterly.
Is TRST's dividend safe?
TRST's dividend safety is rated "Sustainable" based on an earnings payout ratio of +45.2% and FCF payout ratio of +34.5%. The 1-year growth streak provides moderate confidence.
How many years has TRST increased its dividend?
TRST has 1 consecutive years of dividend growth. The 5-year dividend CAGR is +1.7%.
How often does TRST pay dividends?
TrustCo Bank Corp NY pays dividends Quarterly. The trailing 12-month total is $1.51 per share. Dividend data on this page covers 42+ years from 1984 to 2026.
How much would $10,000 invested in TRST grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in TRST five years ago would be worth approximately $18,638 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is TRST's yield on cost for long-term holders?
TRST's yield on cost — the current dividend divided by the original purchase price — is +4.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.6% market yield, thanks to consistent dividend growth.