TrustCo Bank Corp NY (TRST) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.89
↑+31% vs avg
5yr avg: 9.10
30Y Low1.9·High15.9
P/FCF
↑
20.23
↑+68% vs avg
5yr avg: 12.02
30Y Low5.0·High28.2
P/B Ratio
↑
1.39
↑+34% vs avg
5yr avg: 1.04
30Y Low0.9·High4.6
ROE
↓
9.0%
-8% vs avg
5yr avg: 9.8%
30Y Low7%·High26%
Debt/EBITDA
↓
2.15
↓-4% vs avg
5yr avg: 2.24
30Y Low0.9·High3.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TRST Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
TrustCo Bank Corp NY trades at 16.1x earnings, 44% above its 5-year average of 11.2x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 18%. On a free-cash-flow basis, the stock trades at 20.2x P/FCF, 68% above the 5-year average of 12.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $925M | $757M | $634M | $591M | $719M | $642M | $644M | $840M | $663M | $885M | $837M |
| Enterprise Value | $1.1B | $900M | $712M | $675M | $970M | $891M | $864M | $997M | $776M | $1.1B | $998M |
| P/E Ratio → | 16.07 | 12.72 | 12.96 | 10.08 | 9.56 | 10.44 | 12.26 | 14.55 | 10.79 | 20.54 | 19.62 |
| P/S Ratio | 3.32 | 2.72 | 2.41 | 2.42 | 3.49 | 3.45 | 3.29 | 3.99 | 3.33 | 4.73 | 4.64 |
| P/B Ratio | 1.39 | 1.10 | 0.94 | 0.92 | 1.20 | 1.07 | 1.13 | 1.56 | 1.35 | 1.93 | 1.93 |
| P/FCF | 20.23 | 16.56 | 11.62 | 10.10 | 9.61 | 12.22 | 11.04 | 14.03 | 10.36 | 15.24 | 15.84 |
| P/OCF | 16.06 | 13.15 | 10.67 | 9.21 | 9.15 | 11.59 | 10.36 | 13.17 | 9.80 | 14.35 | 15.25 |
P/E links to full P/E history page with 30-year chart
TRST EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
TrustCo Bank Corp NY's enterprise value stands at 11.9x EBITDA, 31% above its 5-year average of 9.1x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.23 | 2.70 | 2.76 | 4.71 | 4.79 | 4.42 | 4.73 | 3.90 | 5.79 | 5.53 |
| EV / EBITDA | 11.89 | 10.02 | 9.43 | 7.63 | 8.82 | 9.61 | 10.86 | 11.53 | 9.26 | 13.46 | 13.79 |
| EV / EBIT | 13.14 | 11.08 | 11.11 | 8.70 | 9.76 | 10.84 | 12.44 | 13.04 | 9.74 | 14.13 | 14.61 |
| EV / FCF | — | 19.67 | 13.04 | 11.54 | 12.96 | 16.96 | 14.81 | 16.65 | 12.12 | 18.67 | 18.88 |
TRST Profitability
Margins and return-on-capital ratios measuring operating efficiency
TrustCo Bank Corp NY earns an operating margin of 29.2%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 31.7% to 29.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.0% is modest, trailing the sector median of 9.0%. ROIC of 7.2% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.1% | 67.1% | 64.5% | 77.3% | 97.0% | 98.9% | 84.5% | 82.8% | 89.1% | 91.1% | 89.9% |
| Operating Margin | 29.2% | 29.2% | 24.3% | 31.7% | 48.3% | 44.2% | 35.5% | 36.3% | 40.0% | 41.0% | 37.9% |
| Net Profit Margin | 22.0% | 22.0% | 18.6% | 24.0% | 36.5% | 33.1% | 26.8% | 27.4% | 30.9% | 23.0% | 23.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.0% | 9.0% | 7.4% | 9.4% | 12.5% | 10.5% | 9.5% | 11.3% | 13.0% | 9.7% | 10.1% |
| ROA | 1.0% | 1.0% | 0.8% | 1.0% | 1.2% | 1.0% | 0.9% | 1.1% | 1.2% | 0.9% | 0.9% |
| ROIC | 7.2% | 7.2% | 6.1% | 7.0% | 8.3% | 7.1% | 6.6% | 8.2% | 8.8% | 8.6% | 8.2% |
| ROCE | 2.8% | 2.8% | 8.6% | 12.4% | 16.8% | 12.9% | 11.4% | 14.1% | 16.8% | 17.2% | 16.1% |
TRST Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
TrustCo Bank Corp NY carries a Debt/EBITDA ratio of 2.1x, which is manageable (50% below the sector average of 4.3x). Net debt stands at $142M ($193M total debt minus $51M cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.18 | 0.21 | 0.49 | 0.49 | 0.47 | 0.38 | 0.33 | 0.53 | 0.48 |
| Debt / EBITDA | 2.15 | 2.15 | 1.66 | 1.51 | 2.68 | 3.21 | 3.36 | 2.37 | 1.93 | 3.02 | 2.90 |
| Net Debt / Equity | — | 0.21 | 0.11 | 0.13 | 0.42 | 0.41 | 0.39 | 0.29 | 0.23 | 0.43 | 0.37 |
| Net Debt / EBITDA | 1.59 | 1.59 | 1.03 | 0.95 | 2.28 | 2.69 | 2.77 | 1.82 | 1.34 | 2.47 | 2.22 |
| Debt / FCF | — | 3.11 | 1.42 | 1.44 | 3.35 | 4.74 | 3.78 | 2.62 | 1.76 | 3.42 | 3.04 |
| Interest Coverage | 0.90 | 0.90 | 0.70 | 1.43 | 15.37 | 10.84 | 2.81 | 2.11 | 3.94 | 5.26 | 4.46 |
TRST Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.26x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.09x to 0.26x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.26 | 0.26 | 0.06 | 0.09 | 0.10 | 0.08 | 0.09 | 0.13 | 0.12 | 0.14 | 0.15 |
| Quick Ratio | 0.26 | 0.26 | 0.06 | 0.09 | 0.10 | 0.08 | 0.09 | 0.13 | 0.12 | 0.14 | 0.15 |
| Cash Ratio | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TRST Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
TrustCo Bank Corp NY returns 7.0% to shareholders annually — split between a 2.9% dividend yield and 4.1% buyback yield. A payout ratio of 45.2% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 45.2% | 45.2% | 56.1% | 46.7% | 35.9% | 42.7% | 50.2% | 45.6% | 41.6% | 58.4% | 58.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.2% | 7.9% | 7.7% | 9.9% | 10.5% | 9.6% | 8.2% | 6.9% | 9.3% | 4.9% | 5.1% |
| FCF Yield | 4.9% | 6.0% | 8.6% | 9.9% | 10.4% | 8.2% | 9.1% | 7.1% | 9.7% | 6.6% | 6.3% |
| Buyback Yield | 4.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 7.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $18M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $19M | $19M |
Peer Comparison
Compare TRST with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TRSTYou | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CBSH | $8B | 13.4 | 13.3 | 13.6 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 FISI | $735M | 10.3 | 10.5 | 54.1 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 EGBN | $842M | -6.6 | — | 40.5 | 3.2% | -26.9% | -10.8% | -8.2% | — |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FFIC | $524M | 28.6 | 24.8 | 9.4 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
TRST — Frequently Asked Questions
Quick answers to the most common questions about buying TRST stock.
What is TrustCo Bank Corp NY's P/E ratio?
TrustCo Bank Corp NY's current P/E ratio is 16.1x. The historical average is 17.7x. This places it at the 50th percentile of its historical range.
What is TrustCo Bank Corp NY's EV/EBITDA?
TrustCo Bank Corp NY's current EV/EBITDA is 11.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.9x.
What is TrustCo Bank Corp NY's ROE?
TrustCo Bank Corp NY's return on equity (ROE) is 9.0%. The historical average is 15.0%.
Is TRST stock overvalued?
Based on historical data, TrustCo Bank Corp NY is trading at a P/E of 16.1x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is TrustCo Bank Corp NY's dividend yield?
TrustCo Bank Corp NY's current dividend yield is 2.88% with a payout ratio of 45.2%.
What are TrustCo Bank Corp NY's profit margins?
TrustCo Bank Corp NY has 67.1% gross margin and 29.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does TrustCo Bank Corp NY have?
TrustCo Bank Corp NY's Debt/EBITDA ratio is 2.1x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.