TrustCo Bank Corp NY (TRST) P/E Ratio History
Historical price-to-earnings valuation from 1990 to 2025
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TRST Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, TrustCo Bank Corp NY (TRST) trades at a price-to-earnings ratio of 14.8x, with a stock price of $48.08 and trailing twelve-month earnings per share of $3.34.
The current P/E is 40% above its 5-year average of 10.5x. Over the past five years, TRST's P/E has ranged from a low of 7.3x to a high of 13.3x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.3x, TRST is roughly in line with its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 4.08 (P/E divided by 26% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, TRST trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our TRST DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
TRST P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 13.4 | 1.91 | +13% | |
| $8B | 12.8 | 1.13 | +5% | |
| $685M | 9.6Lowest | 1.02 | +231% | |
| $592M | 19.7 | - | -16% | |
| $324M | 21.5 | - | -37% | |
| $3B | 13.5 | 4.39 | +5% | |
| $4B | 14.1 | 0.81Best | +15% | |
| $2B | 15.3 | 2.40 | +331%Best | |
| $548M | 29.9 | - | +151% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
TRST Historical P/E Data (1990–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $41.33 | $3.25 | 12.7x | -14% |
| FY2025 Q3 | $36.30 | $2.99 | 12.1x | -18% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $33.42 | $2.81 | 11.9x | -20% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $30.48 | $2.68 | 11.4x | -23% |
| FY2024 Q4 | $33.31 | $2.57 | 13.0x | -13% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $33.07 | $2.50 | 13.2x | -11% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $28.77 | $2.59 | 11.1x | -25% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $28.16 | $2.79 | 10.1x | -32% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $31.05 | $3.08 | 10.1x | -32% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $27.29 | $3.66 | 7.5x | -50% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $28.61 | $3.90 | 7.3x | -51% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $31.94 | $3.97 | 8.0x | -46% |
Average P/E for displayed period: 14.8x
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Start ComparisonTRST — Frequently Asked Questions
Quick answers to the most common questions about buying TRST stock.
Is TRST stock overvalued or undervalued?
TRST trades at 14.8x P/E, above its 5-year average of 10.5x. The 100th percentile ranking indicates a premium to historical valuation.
How does TRST's valuation compare to peers?
TrustCo Bank Corp NY P/E of 14.8x compares to sector median of 13.3x. The premium reflects expected growth above peers.
What is TRST's PEG ratio?
TRST PEG ratio is 4.08. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1990-2025.