Trustco Bank Corp NY (TRST) Stock Price

TRSTStock

$54.31+56.74%52W

Market Cap$924.78M

P/E15.13x

PEG Ratio0.63

Div yield5.25%

Beta0.67

TRST Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)6.46%

Price vs S&P 500 (4W)-2.28%

PEG Ratio0.63

VGM Score45.03

P/E Ratio (Annual)15.13x

Indicated Dividend Yield (Annual)5.25%

P/CF (Annual)16.05x

Book Value / Share (Quarterly)$38.53

P/TBV (Annual)0.87x

Indicated Dividend (Annual)$1.60

Revenue Growth (3Y)-0.97%

Cash Flow / Share (Quarterly)$3.51

Payout Ratio (TTM)42.15%

Price vs S&P 500 (YTD)19.48%

Net Profit Margin (TTM)34.67%

EPS (TTM)$3.60

10-Day Avg Trading Volume0.09M

EPS Excl Extra (TTM)$3.60

Revenue Growth (5Y)2.01%

EPS (Annual)$3.25

Dividend / Share (Annual)$1.49

ROI (Annual)7.58%

Net Profit Margin (5Y Avg)34.21%

Cash / Share (Quarterly)$2.41

P/E Basic Excl Extra (TTM)14.21x

Revenue Growth QoQ (YoY)17.35%

EPS Growth (5Y)3.65%

P/E Normalized (Annual)15.13x

ROA (Last FY)0.95%

Revenue Growth TTM (YoY)24.60%

EBITD / Share (TTM)$5.11

ROE (5Y Avg)9.59%

Operating Margin (TTM)45.87%

Cash Flow / Share (Annual)$2.54

P/B Ratio1.41x

P/B Ratio (Quarterly)1.46x

Net Income / Employee (Annual)$74,600

ROA (TTM)1.01%

EPS Growth QoQ (YoY)23.24%

EV / EBITDA (TTM)11.18x

EPS Incl Extra (Annual)$3.25

3-Month Avg Trading Volume0.13M

52-Week Price Return56.74%

EV / Free Cash Flow (Annual)22.59x

P/E Incl Extra (TTM)14.21x

Tangible BV / Share (Quarterly)$32.80

P/S Ratio (Annual)2.62x

52-Week High$59.28

Operating Margin (5Y Avg)45.16%

EPS Excl Extra (Annual)$3.25

CapEx CAGR (5Y)25.57%

Tangible BV CAGR (5Y)5.54%

26-Week Price Return16.37%

13-Week Price Return-1.11%

Total Debt / Equity (Annual)0.17x

Enterprise Value$1.03B

Revenue / Share Growth (5Y)3.03%

Book Value / Share Growth (5Y)5.28%

Revenue / Employee (Annual)$239,945,800,000

Pretax Margin (Annual)49.86%

Cash / Share (Annual)$2.28

3-Month Return Std Dev18.53%

Net Income / Employee (TTM)$79,500

EBITDA CAGR (5Y)4.93%

EBITDA Interim CAGR (5Y)2.86%

ROE (Last FY)8.90%

EPS Basic Excl Extra (Annual)$3.25

P/FCF (TTM)15.48x

EV / Free Cash Flow (TTM)17.29x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$3.60

ROI (TTM)8.28%

Dividend Growth Rate (5Y)1.87%

P/S Ratio (TTM)2.60x

Pretax Margin (5Y Avg)45.16%

Revenue / Share (Annual)$10.42

Tangible BV / Share (Annual)$31.54

Free OCF CAGR (5Y)-4.77%

Price vs S&P 500 (52W)41.21%

P/E Ratio (TTM)14.21x

EPS Growth TTM (YoY)28.15%

Year-to-Date Return31.41%

5-Day Price Return0.09%

EPS Normalized (Annual)$3.25

ROA (5Y Avg)0.98%

Net Profit Margin (Annual)37.73%

Month-to-Date Return0.04%

Cash Flow / Share (TTM)$3.88

EBITD / Share (Annual)$4.56

EPS Growth (3Y)-6.16%

Operating Margin (Annual)49.86%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)13.39x

ROI (5Y Avg)7.93%

P/E Excl Extra (TTM)14.21x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$3.60

P/TBV (Quarterly)0.84x

Payout Ratio (Annual)45.18%

P/B Ratio (Annual)1.11x

Dividend / Share (TTM)$1.53

Pretax Margin (TTM)45.87%

Book Value / Share (Annual)$38.08

Price vs S&P 500 (13W)-3.80%

Net Margin Growth (5Y)6.22%

Dividend Yield (TTM)2.97%

Beta0.67x

P/FCF (Annual)20.22x

Revenue / Share (TTM)$10.56

ROE (TTM)9.62%

52-Week Low$34.31

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TRST Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2025	Jul 21, 2025	—	$0.79	—

TRST Analyst Recommendations

Jul 2024

Aug 2024

Sep 2024

Oct 2024

2.00

Industry Peers — State Banks(190)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
TRSTTrustco Bank Corp NY	D	D	B	1.5x	9.6%	1.0%	—	$54.31
BNSBank of Nova Scotia	D	C	A	1.7x	11.4%	0.7%	—	$91.60
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	C	2.2x	22.1%	1.5%	—	$9.44
BNYBank of New York Mellon Corporation	F	C	C	2.3x	14.8%	1.3%	—	$143.30
DBDeutsche Bank Aktiengesellschaft	A	C	D	0.7x	9.3%	0.5%	—	$32.57
XLFState Street Financial Select Sector SPDR ETF	—	—	C	—	—	—	—	$55.52
FITBFifth Third Bancorp	D	C	D	1.2x	8.9%	0.9%	—	$50.37
STTState Street Corporation	C	B	C	1.7x	13.1%	0.9%	—	$165.72
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	C	1.0x	14.3%	1.1%	—	$3.96
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	B	C	C	1.0x	14.3%	1.1%	—	$3.55
MTBM&T Bank Corp.	B	B	D	1.2x	10.7%	1.4%	—	$215.28
NTRSNorthern Trust Corp	D	C	C	2.4x	17.1%	1.3%	—	$165.54
CFGCitizens Financial Group, Inc.	C	C	D	1.1x	8.1%	0.9%	—	$63.36
FCNCAFirst Citizens BancShares Inc	C	B	B	1.1x	10.7%	1.0%	—	$2123.74
EWBCEast-West Bancorp Inc	C	B	C	1.9x	16.2%	1.8%	—	$126.88
ALLYAlly Financial Inc.	A	C	F	0.9x	9.4%	0.7%	—	$37.68
BPOPPopular Inc	C	C	B	1.6x	15.4%	1.3%	—	$158.89
SSBSouthState Bank Corporation	C	B	C	1.1x	10.5%	1.4%	—	$102.06
WTFCWintrust Financial Corp	B	B	D	1.4x	12.3%	1.3%	—	$144.08
PBProsperity Bancshares Inc	D	D	D	0.9x	7.1%	1.4%	—	$67.79
WALWestern Alliance Bancorporation	B	B	D	1.1x	12.9%	1.0%	—	$74.51
COLBColumbia Banking Systems Inc	B	C	D	1.2x	9.2%	1.1%	—	$28.44
CBCCentral Bancompany, Inc. Class A Common Stock	F	B	A	1.9x	11.7%	2.1%	—	$33.42
CBSHCommerce Bancshares Inc	C	D	C	1.9x	14.4%	1.7%	—	$55.69
UBSIUnited Bankshares Inc	C	C	B	1.1x	9.4%	1.5%	—	$46.69
HWCHancock Whitney Corporation Common Stock	C	C	C	1.4x	9.6%	1.2%	—	$73.03
HOMBHome BancShares, Inc.	C	D	C	1.2x	10.9%	2.0%	—	$29.20
GBCIGlacier Bancorp Inc	D	C	D	1.6x	7.6%	1.0%	—	$43.83
ASBAssociated Banc-Corp	B	C	C	0.9x	9.9%	1.1%	—	$28.96
AUBAtlantic Union Bankshares Corporation	C	B	D	1.2x	9.7%	1.3%	—	$38.11
ABCBAmeris Bancorp	C	C	D	1.5x	9.3%	1.4%	—	$79.72
FFINFirst Financial Bankshares Inc	D	D	F	2.5x	14.3%	1.8%	—	$30.47
SFBSServisFirst Bancshares Inc.	D	B	D	2.4x	17.1%	1.8%	—	$39.36
IBOCInternational Bancshares Corp	C	C	D	1.4x	12.7%	2.5%	—	$67.34
FBPFirst BanCorp.	C	C	B	2.0x	19.0%	1.9%	—	$27.37
UCBUnited Community Banks, Inc.	C	B	C	1.1x	10.3%	1.3%	—	$34.09
CATYCathay General Bancorp	C	C	C	1.4x	11.7%	1.4%	—	$59.96
TCBITexas Capital Bancshares, Inc. Common Stock, par value $0.01 per share	C	C	D	1.2x	10.0%	1.1%	—	$91.15
CVBFCVB Financial Corp	C	D	C	1.3x	8.2%	1.2%	—	$21.87
INDBIndependent Bank Corp/MA	C	C	C	1.2x	7.7%	1.1%	—	$79.88
RNSTRenasant Corporation	C	B	C	1.0x	8.1%	1.2%	—	$39.91
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	1.1x	9.6%	1.2%	—	$34.82
MCHBMechanics Bancorp Class A Common Stock	D	C	D	1.2x	9.9%	1.2%	—	$14.35
SBCFSeacoast Banking Corp of Florida	D	B	C	1.1x	5.6%	0.8%	—	$32.54
FHBFirst Hawaiian, Inc. Common Stock	B	D	D	1.3x	10.3%	1.2%	—	$24.95
BOHBank of Hawaii Corp.	C	C	D	1.7x	12.8%	1.0%	—	$67.23
FBKFB Financial Corporation	D	B	F	1.3x	12.0%	1.4%	—	$51.54
CUBICUSTOMERS BANCORP INC	B	B	C	1.2x	13.6%	1.1%	—	$74.78
FBNCFirst Bancorp/NC	D	B	C	1.5x	8.0%	1.0%	—	$60.36
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	1.0x	9.5%	1.3%	—	$29.43
SYBTStock Yards Bancorp, Inc.	D	C	C	1.8x	13.4%	1.6%	—	$76.69

About Trustco Bank Corp NY

TrustCo Bank Corp N Y is a savings and loan holding company engaged in community banking across the Northeast and Florida. The company accepts deposits and provides personal and business banking services, including savings accounts, retirement accounts, mortgages, and auto loans. TrustCo operates branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.