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
2.9%
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 Yield2.9%
Trailing DPS$1.51
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout45.2%
Earnings SafetySustainable
FCF Payout58.4%
FCF SafetyAdequate
Piotroski F-Score7/9
Growth
Growth Streak1 years
3Y CAGR1.6%
5Y CAGR1.7%
Yield on Cost (5Y)4.5%
YOC Trendrising
Total Returns
Buyback Yield4.1%
Total Shareholder Yield7.0%
1Y Total Return74.9%
5Y Total Return73.6%
Div Contribution (5Y)21.1%
Estimated $10K growth (return + dividends):
5Y ago$17,35610Y ago$20,87520Y ago$15,753
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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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
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 58.4%, rated "Adequate".
Piotroski F-Score: 7/9 — strong 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: 2.9% dividend yield, 4.1% buyback yield, 7.0% 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 73.6%, with dividends contributing 21.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $20,875 today.
TRST Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$7.22
Avg/Payment$0.3610
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 5, 2026Latest | $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 |
| Sep 6, 2024 | $0.3600 | — | 4.38% | Oct 1, 2024 |
TRST Dividend vs Peers
Comparable companies in the same industry
#5 yield in peer group
Div Yield
2.9%
#5 of 9
Safety
Sustainable
45.2% payout
Streak
1Y
1.7% 5Y CAGR
Total Shareholder
7.0%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| TRSTTrustCo Bank Corp NY | $925M | 2.9% | 45.2% | 1 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 CBSHCommerce Bancshares,… | $8.0B | 2.0% | 26.5% | 8 | Sustainable |
2nd  FISIFinancial Institutio… | $735M | 3.3% | 33.0% | 1 | Sustainable |
1st  NFBKNorthfield Bancorp, … | $602M | 3.7% | 26.6% | 0 | Sustainable |
 CHMGChemung Financial Co… | $341M | 1.9% | 41.9% | 1 | Sustainable |
 WAFDWaFd, Inc. | $2.8B | 2.9% | 37.4% | 16 | Sustainable |
 WSFSWSFS Financial Corpo… | $3.9B | 0.9% | 12.9% | 1 | Sustainable |
 EGBNEagle Bancorp, Inc. | $842M | 1.8% | — | 0 | Unknown |
TRST Annual Dividend History (1984–2026)
43 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.76 | — | 2 | — | — | — | 2.3% |
| 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-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
42+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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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 +2.9%. Payments are made Semi-Annual.
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 Semi-Annual.
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 +58.4%. 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 Semi-Annual. 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 $17,356 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 +2.9% market yield, thanks to consistent dividend growth.