TrustCo Bank Corp NY (TRST)
Valuation Overview•Is TrustCo Bank Corp NY Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 59/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral. This outlook is strongly supported by highly attractive capital returns, driven by a balanced mix of reliable dividends and share buybacks.
TRST demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. This growth is supported by elite operational efficiency, sustaining an impressive 29.2% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $70.5M | +5.8% | — | — | +4.6% | |
| EBITDA | $21.5M | — | -6.5% | — | — | |
| Net Income | $15.6M | +25.2% | -6.7% | — | +3.8% | |
| EPS (Diluted) | $0.85 | +26.5% | -6.1% | +3.6% | +3.9% | |
| Free Cash Flow | $14.1M | -16.2% | -15.1% | -4.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.1% | 69.6% | 80.9% | 84.2% |
| Operating Margin | 29.2% | 28.4% | 35.5% | 36.8% |
| Net Margin | 22.0% | 21.5% | 26.8% | 26.6% |
| FCF Margin | 16.4% | 20.4% | 25.1% | 27.6% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.91 | — | ||
| Q1'26 | — | $0.85 | — | ||
| Q1'26 | $0.80 | $0.85 | +6.3% | ||
| Q4'25 | $0.73 | $0.86 | +17.8% | ||
| Q3'25 | $0.69 | $0.79 | +14.5% | ||
| Q2'25 | $0.65 | $0.75 | +15.4% | ||
| Q1'25 | — | $0.59 | — | ||
| Q1'25 | $0.64 | $0.59 | -7.8% |
Total return is +74.9% (1Y), outperforming the benchmark by +50.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +28.4% | +19.1% | — |
| 1Y | +74.9% | +50.0% | +4.9% |
| 3YCAGR | +23.4% | +3.5% | +14.6% |
| 5YCAGR | +11.7% | -2.2% | +21.1% |
| 10YCAGR | +7.6% | -5.9% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about TrustCo Bank Corp NY (TRST) valuation, health, and returns.
Based on peer relative multiples, TrustCo Bank Corp NY appears Expensive versus peers compared to industry peers.
TrustCo Bank Corp NY has multiple valuation anchors: Peer Relative Fair Value: $40.18. A convergence of these signals offers higher conviction.
TrustCo Bank Corp NY displays fair financial health with a composite quality score of 59/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 7.2%.
TrustCo Bank Corp NY pays a 2.9% dividend yield, covered by a 45% payout ratio with 1 years of growth, supplemented by a 4.1% buyback yield.
TrustCo Bank Corp NY's current growth trajectory is Accelerating. The company achieved +5.8% 1Y revenue growth and +26.5% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 3 analysts, beating EPS expectations in 75% of recent quarters with a 4-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for TrustCo Bank Corp NY include: -14.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.63x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.