Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
TrustCo Bank Corp NY's quarterly P/E stands at 12.2x, down 13.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 6.2% YoY to 10.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.90 | 12.16 | 10.55 | 10.58 | 10.16 | 14.11 | 12.16 | 10.90 | 11.00 | 14.93 | 8.86 | 8.32 | 8.59 |
| — | -13.9% | -13.2% | -3.0% | -7.6% | -5.4% | +37.2% | +31.0% | +28.1% | +74.7% | +13.9% | +0.3% | -4.3% | |
| P/S Ratio | 3.08 | 2.69 | 2.44 | 2.29 | 2.14 | 2.39 | 2.38 | 2.07 | 2.08 | 2.34 | 2.09 | 2.24 | 2.59 |
| — | +12.3% | +2.2% | +10.8% | +3.1% | +2.1% | +14.1% | -7.8% | -19.9% | -25.7% | -25.7% | -25.4% | -21.4% | |
| P/B Ratio | 1.29 | 1.10 | 1.00 | 0.92 | 0.84 | 0.94 | 0.94 | 0.84 | 0.83 | 0.92 | 0.83 | 0.88 | 0.99 |
| — | +17.7% | +5.9% | +9.6% | +2.2% | +2.4% | +13.1% | -4.6% | -16.5% | -23.3% | -18.4% | -11.8% | -4.4% | |
| P/FCF | 18.75 | 13.44 | 17.26 | 6.37 | — | 13.22 | 10.12 | 7.77 | 14.26 | 9.99 | 11.74 | 9.31 | 8.43 |
| — | +1.7% | +70.6% | -18.1% | — | +32.3% | -13.9% | -16.5% | +69.2% | +18.2% | +74.0% | +34.0% | -44.0% | |
| EV / EBITDA | 11.14 | 10.48 | 8.09 | 7.88 | 7.58 | 9.87 | 9.08 | 8.30 | 8.43 | 10.73 | 7.10 | 6.64 | 7.05 |
| — | +6.2% | -10.9% | -5.1% | -10.1% | -8.0% | +28.0% | +25.1% | +19.5% | +33.7% | +10.5% | -6.7% | -17.5% | |
| EV / EBIT | 12.31 | 10.48 | 9.19 | 9.01 | 8.71 | 12.07 | 10.54 | 9.67 | 9.88 | 13.08 | 8.08 | 7.44 | 7.84 |
| — | -13.1% | -12.9% | -6.7% | -11.8% | -7.8% | +30.5% | +29.9% | +25.9% | +48.8% | +14.1% | -6.0% | -17.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
TrustCo Bank Corp NY's operating margin was 30.4% in Q4 2025, up 0.3 pp QoQ and up 8.2 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 29.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.1% | 68.3% | 67.2% | 66.3% | 66.5% | 64.7% | 65.3% | 64.8% | 63.3% | 66.1% | 75.2% | 81.0% | 87.6% |
| — | +5.5% | +3.0% | +2.2% | +5.1% | -2.1% | -13.1% | -20.0% | -27.8% | -30.3% | -22.6% | -17.9% | -10.5% | |
| Operating Margin | 29.2% | 30.4% | 30.1% | 28.5% | 27.6% | 22.2% | 25.6% | 24.9% | 24.7% | 20.4% | 31.0% | 36.0% | 40.4% |
| — | +36.8% | +17.7% | +14.4% | +12.0% | +8.8% | -17.3% | -30.8% | -38.9% | -57.7% | -35.7% | -24.7% | -17.4% | |
| Net Margin | 22.0% | 22.1% | 23.0% | 21.7% | 21.1% | 17.0% | 19.5% | 18.9% | 18.8% | 15.6% | 23.6% | 27.0% | 30.3% |
| — | +29.7% | +17.8% | +14.5% | +12.1% | +9.0% | -17.4% | -29.8% | -37.9% | -57.6% | -34.8% | -25.9% | -17.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.0% | 2.3% | 2.3% | 2.2% | 2.1% | 1.7% | 1.9% | 1.9% | 1.9% | 1.6% | 2.4% | 2.6% | 2.9% |
| — | +34.7% | +20.7% | +13.2% | +11.7% | +8.1% | -17.5% | -27.3% | -35.9% | -55.9% | -27.9% | -12.0% | +2.1% | |
| ROA | 1.0% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | +33.2% | +21.5% | +16.1% | +15.6% | +13.4% | -12.9% | -24.4% | -33.3% | -53.5% | -23.1% | -5.5% | +7.6% | |
| ROIC | 7.2% | 1.9% | 1.9% | 1.8% | 1.7% | 1.4% | 1.6% | 1.6% | 1.5% | 1.2% | 1.9% | 2.1% | 2.1% |
| — | +36.6% | +22.0% | +16.1% | +14.4% | +10.6% | -14.0% | -24.2% | -27.3% | -49.9% | -25.1% | -0.6% | +10.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
TrustCo Bank Corp NY's Debt/EBITDA ratio is 9.0x, up from 5.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 312.1% YoY to 0.26x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.20 | 0.18 | 0.18 | 0.18 | 0.20 | 0.20 | 0.21 | 0.21 | 0.24 | 0.26 | 0.30 |
| — | +52.0% | -1.1% | -12.6% | -17.4% | -10.7% | -16.5% | -22.4% | -28.3% | -57.8% | -19.9% | -22.6% | -41.8% | |
| Debt / EBITDA | 2.15 | 8.99 | 5.62 | 5.39 | 5.60 | 6.93 | 6.78 | 6.87 | 7.39 | 8.49 | 6.78 | 6.58 | 6.92 |
| — | +29.6% | -17.1% | -21.5% | -24.2% | -18.3% | -0.1% | +4.4% | +6.8% | -13.2% | +10.0% | -13.7% | -41.8% | |
| Current Ratio | 0.26 | 0.26 | 0.05 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 |
| — | +312.1% | -34.8% | -30.7% | -22.6% | -31.8% | -12.9% | -13.3% | -11.2% | -3.9% | -1.7% | -4.4% | +20.2% | |
| Quick Ratio | 0.26 | 0.26 | 0.05 | 0.06 | 0.07 | 0.06 | 0.08 | 0.08 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 |
| — | +312.1% | -34.8% | -30.7% | -22.6% | -31.8% | -12.9% | -13.3% | -11.2% | -3.9% | -1.7% | -4.4% | +20.2% | |
| Interest Coverage | 0.90 | 0.96 | 0.93 | 0.87 | 0.83 | 0.64 | 0.75 | 0.72 | 0.69 | 0.64 | 1.25 | 1.81 | 3.40 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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TrustCo Bank Corp NY's current P/E is 14.9x. The average P/E over the last 4 quarters is 10.9x. 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 expanding 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.