Last 47 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 17.40 | 14.01 | 12.03 | 12.16 | 10.55 | 10.58 | 10.16 | 14.11 | 12.16 | 10.90 | 11.00 | 14.93 | 8.86 | 8.32 | 8.59 | 8.54 | 7.78 | 8.29 | 8.97 | 9.80 | 9.19 |
| — | +32.4% | +18.4% | -13.9% | -13.2% | -3.0% | -7.6% | -5.4% | +37.2% | +31.0% | +28.1% | +74.7% | +13.9% | +0.3% | -4.3% | -12.8% | -15.3% | -27.7% | -28.9% | -15.4% | +2.8% | |
| P/S Ratio | 5.12 | 34.24 | 3.95 | 3.93 | 3.61 | 3.41 | 3.20 | 3.66 | 3.61 | 3.15 | 3.24 | 3.43 | 2.77 | 2.80 | 2.94 | 3.32 | 2.88 | 3.08 | 3.39 | 3.57 | 3.48 |
| — | +905.4% | +23.4% | +7.4% | -0.1% | +8.1% | -1.2% | +6.8% | +30.1% | +12.7% | +10.1% | +3.3% | -3.6% | -9.1% | -13.1% | -7.1% | -17.4% | -16.8% | -15.1% | -4.0% | +17.6% | |
| P/B Ratio | 1.51 | 1.48 | 1.17 | 1.10 | 1.00 | 0.92 | 0.84 | 0.94 | 0.94 | 0.84 | 0.83 | 0.92 | 0.83 | 0.88 | 0.99 | 1.19 | 1.02 | 0.99 | 1.03 | 1.06 | 1.05 |
| — | +61.1% | +38.2% | +17.7% | +5.9% | +9.6% | +2.2% | +2.4% | +13.1% | -4.6% | -16.5% | -23.3% | -18.4% | -11.8% | -4.4% | +12.1% | -2.8% | -13.3% | -16.9% | -5.9% | +16.8% | |
| P/FCF | 21.05 | 8.17 | 19.22 | 13.44 | 17.26 | 6.37 | — | 13.22 | 10.12 | 7.77 | 14.26 | 9.99 | 11.74 | 9.31 | 8.43 | 8.45 | 6.75 | 6.95 | 15.06 | 15.34 | 9.74 |
| — | +28.3% | — | +1.7% | +70.6% | -18.1% | — | +32.3% | -13.9% | -16.5% | +69.2% | +18.2% | +74.0% | +34.0% | -44.0% | -44.9% | -30.7% | -23.6% | -31.6% | +26.1% | +40.7% | |
| EV / EBITDA | 11.91 | — | 9.06 | 10.06 | 8.09 | 7.88 | 7.58 | 9.87 | 9.08 | 8.30 | 8.43 | 10.73 | 7.10 | 6.64 | 7.05 | 8.02 | 6.42 | 7.11 | 8.55 | 9.15 | 8.54 |
| — | — | +19.6% | +1.9% | -10.9% | -5.1% | -10.1% | -8.0% | +28.0% | +25.1% | +19.5% | +33.7% | +10.5% | -6.7% | -17.5% | -12.3% | -24.8% | -30.6% | -22.4% | -13.5% | +4.2% | |
| EV / EBIT | 13.16 | — | 10.27 | 10.06 | 9.19 | 9.01 | 8.71 | 12.07 | 10.54 | 9.67 | 9.88 | 13.08 | 8.08 | 7.44 | 7.84 | 8.79 | 7.08 | 7.92 | 9.55 | 10.28 | 9.55 |
| — | — | +17.9% | -16.6% | -12.9% | -6.7% | -11.8% | -7.8% | +30.5% | +29.9% | +25.9% | +48.8% | +14.1% | -6.0% | -17.8% | -14.5% | -25.8% | -32.1% | -24.0% | -15.2% | +2.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.1% | 23.0% | 68.4% | 68.3% | 67.2% | 66.3% | 66.5% | 64.7% | 65.3% | 64.8% | 63.3% | 66.1% | 75.2% | 81.0% | 87.6% | 94.8% | 97.1% | 98.7% | 97.9% | 103.3% | 102.2% |
| — | -65.3% | +2.8% | +5.5% | +3.0% | +2.2% | +5.1% | -2.1% | -13.1% | -20.0% | -27.8% | -30.3% | -22.6% | -17.9% | -10.5% | -8.2% | -5.0% | +3.0% | +3.9% | +14.3% | +19.0% | |
| Operating Margin | 29.2% | -74.1% | 30.4% | 30.4% | 30.1% | 28.5% | 27.6% | 22.2% | 25.6% | 24.9% | 24.7% | 20.4% | 31.0% | 36.0% | 40.4% | 48.4% | 48.2% | 47.8% | 48.9% | 46.7% | 48.5% |
| — | -360.3% | +10.2% | +36.8% | +17.7% | +14.4% | +12.0% | +8.8% | -17.3% | -30.8% | -38.9% | -57.7% | -35.7% | -24.7% | -17.4% | +3.6% | -0.7% | +15.3% | +21.7% | +23.7% | +24.4% | |
| Net Margin | 22.0% | 58.1% | 22.9% | 22.1% | 23.0% | 21.7% | 21.1% | 17.0% | 19.5% | 18.9% | 18.8% | 15.6% | 23.6% | 27.0% | 30.3% | 36.8% | 36.2% | 36.4% | 36.8% | 35.1% | 36.5% |
| — | +168.0% | +8.9% | +29.7% | +17.8% | +14.5% | +12.1% | +9.0% | -17.4% | -29.8% | -37.9% | -57.6% | -34.8% | -25.9% | -17.6% | +4.8% | -0.6% | +17.9% | +22.5% | +19.8% | +25.3% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.0% | 2.6% | 2.4% | 2.3% | 2.3% | 2.2% | 2.1% | 1.7% | 1.9% | 1.9% | 1.9% | 1.6% | 2.4% | 2.6% | 2.9% | 3.5% | 3.3% | 3.0% | 2.9% | 2.7% | 2.9% |
| — | +17.4% | +14.6% | +34.7% | +20.7% | +13.2% | +11.7% | +8.1% | -17.5% | -27.3% | -35.9% | -55.9% | -27.9% | -12.0% | +2.1% | +28.6% | +13.7% | +19.9% | +15.8% | +11.7% | +13.9% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +9.8% | +10.8% | +33.2% | +21.5% | +16.1% | +15.6% | +13.4% | -12.9% | -24.4% | -33.3% | -53.5% | -23.1% | -5.5% | +7.6% | +31.4% | +15.1% | +20.4% | +16.2% | +11.0% | +10.9% | |
| ROIC | 7.4% | -2.0% | 1.9% | 1.9% | 1.9% | 1.8% | 1.7% | 1.4% | 1.6% | 1.6% | 1.5% | 1.2% | 1.9% | 2.1% | 2.1% | 2.5% | 2.5% | 2.1% | 1.9% | 1.8% | 1.9% |
| — | -209.8% | +11.8% | +39.6% | +22.0% | +16.1% | +14.4% | +10.6% | -14.0% | -24.2% | -27.3% | -49.9% | -25.1% | -0.6% | +10.4% | +35.5% | +28.6% | +23.4% | +13.5% | +12.8% | +8.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.23 | 0.22 | 0.22 | 0.23 | 0.20 | 0.18 | 0.18 | 0.18 | 0.20 | 0.20 | 0.21 | 0.21 | 0.24 | 0.26 | 0.30 | 0.49 | 0.30 | 0.33 | 0.51 | 0.49 | 0.48 |
| — | +25.6% | +26.5% | +23.3% | -1.1% | -12.6% | -17.4% | -10.7% | -16.5% | -22.4% | -28.3% | -57.8% | -19.9% | -22.6% | -41.8% | -0.8% | -38.0% | -32.8% | +3.2% | +5.1% | +9.4% | |
| Debt / EBITDA | 1.74 | — | 6.07 | 7.29 | 5.62 | 5.39 | 5.60 | 6.93 | 6.78 | 6.87 | 7.39 | 8.49 | 6.78 | 6.58 | 6.92 | 9.77 | 6.17 | 7.62 | 11.89 | 12.24 | 11.29 |
| — | — | +8.4% | +5.2% | -17.1% | -21.5% | -24.2% | -18.3% | -0.1% | +4.4% | +6.8% | -13.2% | +10.0% | -13.7% | -41.8% | -20.2% | -45.4% | -41.8% | -9.2% | -6.6% | -1.7% | |
| Current Ratio | 0.05 | 0.41 | 0.49 | 0.05 | 0.05 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.10 | 0.09 | 0.10 | 0.08 | 0.08 | 0.09 |
| — | +627.5% | +626.5% | -17.8% | -34.8% | -30.7% | -22.6% | -31.8% | -12.9% | -13.3% | -11.2% | -3.9% | -1.7% | -4.4% | +20.2% | +16.6% | +8.3% | +1.9% | -23.3% | -10.6% | -11.0% | |
| Quick Ratio | 0.05 | 0.41 | 0.49 | 0.05 | 0.05 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.10 | 0.09 | 0.10 | 0.08 | 0.08 | 0.09 |
| — | +627.5% | +626.5% | -17.8% | -34.8% | -30.7% | -22.6% | -31.8% | -12.9% | -13.3% | -11.2% | -3.9% | -1.7% | -4.4% | +20.2% | +16.6% | +8.3% | +1.9% | -23.3% | -10.6% | -11.0% | |
| Interest Coverage | 0.90 | -0.98 | 1.00 | 0.96 | 0.93 | 0.87 | 0.83 | 0.64 | 0.75 | 0.72 | 0.69 | 0.64 | 1.25 | 1.81 | 3.40 | 9.49 | 20.62 | 20.82 | 19.02 | 14.63 | 12.55 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying TRST stock.
TrustCo Bank Corp NY's current P/E is 17.4x. The average P/E over the last 4 quarters is 12.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
TrustCo Bank Corp NY's current operating margin is 29.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking TrustCo Bank Corp NY's business trajectory between earnings reports.