NASDAQ · Banks - Regional

TrustCo Bank Corp NY (TRST) Stock

$54.02 -1.36% NASDAQ: TRST Financial Services

Valuation

MetricValue
Price$54.02
Market Cap$919.77M
P/E Ratio15.47
P/B Ratio1.49
P/S Ratio3.93
EPS (TTM)$3.25
52-Week High$59.28
52-Week Low$34.31
Dividend Yield2.87%

Financials & Margins

MetricValue
ROE9.62%
ROA1.00%
ROCE0.67%
Gross Margin29.14%
Operating Margin29.14%
Net Margin26.95%
Debt/Equity0.22
Current Ratio0.05

Annual Financials (USD)

Metric20212022202320242025
Revenue$186.0M$206.0M$245.0M$263.0M$278.0M
Operating Profit$82.0M$99.0M$78.0M$64.0M$81.0M
Net Profit$62.0M$75.0M$59.0M$49.0M$61.0M
EPS$3.19$3.93$3.08$2.57$3.25
Op Margin44.2%48.3%31.7%24.3%29.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$6.2B$6.0B$6.2B$6.2B$6.4B
Total Liabilities$5.6B$5.4B$5.5B$5.6B$5.8B
Cash$48.0M$43.0M$49.0M$47.0M$51.0M
Borrowings$297.0M$294.0M$133.0M$125.0M$156.0M

Latest News

Trustco Bank Corp N Y (TRST) Q2 2026 Earnings Call Highlights: Strong Net Income Growth Amid ... GuruFocus.com · Jul 22, 2026 TrustCo Bank Corp NY Q2 Earnings Call Highlights MarketBeat · Jul 22, 2026 TRST: Raising target price to $58.00 Argus Research · Jul 22, 2026 TrustCo Bank Q2 Earnings, Revenue Rise MT Newswires · Jul 21, 2026 TrustCo: Q2 Earnings Snapshot Associated Press · Jul 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$55.0M$79.0M$64.0M$59.0M$58.0M
Investing Cash Flow$-178.0M$-420.0M$-239.0M$-9.0M$-117.0M
Financing Cash Flow$229.0M$-82.0M$158.0M$40.0M$128.0M
Net Cash Flow$112.0M$-569.0M$-73.0M$64.0M$89.0M
Free Cash Flow$53.0M$75.0M$58.0M$55.0M$46.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.55
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y62.68%
Return 3Y107.39%
Return 5Y101.73%

Ownership

Insiders Held3.28%
Institutions Held79.58%
Institutions Float Held82.28%
Institutional HolderSharesReport Date
Blackrock Inc.2,566,3632026-03-31
Systematic Financial Management, L.P.1,165,1332026-03-31
Dimensional Fund Advisors LP1,137,5042026-03-31
State Street Corporation891,0822026-03-31
Holdco Asset Management, LP872,7442026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BHBBar Harbor Bankshares, Inc. $37.89 -1.53% 13.28 $634.40M 3.45%
CARECarter Bankshares, Inc. $30.28 -0.64% 5.23 $670.99M 1.30%
CCBGCapital City Bank Group $48.22 -0.80% 13.79 $825.20M 2.17%
CCNECNB Financial Corporation $33.28 -1.08% 10.89 $985.77M 2.23%
CTBICommunity Trust Bancorp, Inc. $74.44 -2.19% 12.43 $1.35B 0.00%

About TrustCo Bank Corp NY

TrustCo Bank Corp NY is led by CEO Robert Joseph McCormick, employs 740 people, headquartered in US, publicly traded since 1983.

TrustCo Bank Corp NY (TRST) stock trades at $54.02 with a market capitalization of $919.77M. The stock is valued at a price-to-earnings (P/E) ratio of 15.47, price-to-book of 1.49, price-to-sales of 3.93. Over the past 52 weeks the stock has ranged between $34.31 and $59.28, and currently trades 8.9% below its 52-week high. It pays a dividend yielding 2.87%.

On profitability, TrustCo Bank Corp NY generates a return on equity (ROE) of 9.62%, return on capital employed of 0.67%, an operating margin of 29.14%, a net profit margin of 26.95%.

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