TrustCo Bank Corp NY

TRST | NASDAQ

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$56.34

-$0.33 (-0.58%)

At close: Sep 21, 2026, 4:00 PM ET

$56.07

-$0.27 (-0.48%)

Pre-market: Sep 22, 2026, 4:48 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $964.98M

Enterprise Value $720M

Beta 0.64

Average Volume 120.67K

Shares Outstanding (Diluted) 17.63M

Shares Change YoY -7.18%

Institutional Ownership 76.45%

Exchange NASDAQ

ISIN US8983492047

Price Performance

Price Change 1M -1.3%

Price Change 3M 5.2%

Price Change 6M 30.5%

Price Change YTD 36.5%

Price Change 1Y 45.6%

Price Change 3Y 111.3%

Price Change 5Y 80.6%

1M CAGR (ann.) 1.4%

1Y CAGR (ann.) 50.4%

5Y CAGR (ann.) 17.3%

All-Time CAGR 4.7%

Valuation

PE Ratio 15.65

Forward PE N/A

PEG Ratio 0.56

Forward PEG 0.56

PS Ratio 3.97

Forward PS N/A

PB Ratio 1.46

P/FCF Ratio 16.21

P/Adj. FCF Ratio 16.61

P/OCF Ratio 14.34

EV/Sales 2.98

EV/EBIT 16.83

EV/EBITDA 14.83

EV/FCF 12.17

Earnings Yield 6.4%

FCF Yield 6.2%

Adj. FCF Yield 6.0%

Financial Health

Net Cash $239.36M

Total Debt $108.38M

Cash & Short-Term Investments $347.74M

Total Assets $6.52B

Current Ratio 0.41

Quick Ratio 0.41

Debt / Equity Ratio 0.22

Debt / EBITDA 2.23

Debt / FCF 1.83

OCF / Debt 0.63

Interest Coverage 0.48

Altman Z-Score 0.25

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 62.5%

Operating Profit Margin 17.7%

EBITDA Margin 20.1%

Net Profit Margin 26.9%

FCF Margin 24.5%

Adj. FCF Margin 23.9%

SBC / Revenue 0.7%

SBC Impact (per share) -2.4%

Returns

Return on Assets 1.0%

Return on Equity 9.6%

Return on Invested Capital 0.5%

Return on Capital Employed 0.7%

Return on Tangible Assets 1.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 1.7%

Revenue CAGR 5Y 5.0%

Revenue CAGR 10Y 3.0%

EPS CAGR 3Y -2.6%

EPS CAGR 5Y 4.2%

EPS CAGR 10Y 5.0%

FCF CAGR 3Y -10.6%

FCF CAGR 5Y 2.4%

FCF CAGR 10Y -0.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 19, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $55.06

Graham Upside -2.3%

Lynch Fair Value $18

Lynch Upside -68.0%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $68.14M

Free Cash Flow $59.18M

Adj. Free Cash Flow $57.75M

FCF Per Share $3.64

OCF Per Share $3.93

OCF/S Ratio 28.6%

Income Statement

Revenue $241.45M

Gross Profit $150.99M

Operating Income $42.77M

EBITDA $48.55M

Net Income $65.07M

EPS (Diluted) $3.60

Revenue / Employee $325.4K

Profit / Employee $87.7K

Employees 742

Dividends

Annual Dividend $1.54

Dividend Yield 2.73%

Payout Ratio 42.8%

FCF Payout Ratio 46.5%

Adj. FCF Payout Ratio 47.7%

Dividend Growth (YoY) 5.5%

Pay Frequency Quarterly

Ex-Dividend Date Sep 3, 2026