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TrustCo Bank Corp NY

Data quality: 100%
TRST
NASDAQ Financial Services Banks - Regional
$43.19
▲ $0.53 (1.24%)
Mkt Cap: 778.67M
Day Range
$43.10 $44.17
52-Week Range
$27.18 $48.45
Volume
167,254
50D / 200D Avg
$44.02 / $39.13
Prev Close
$42.66

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 12.7 10.3
P/B 1.1 1.1
ROE % 9.0 11.7
Net Margin % 22.0 16.8
Rev Growth 5Y % 10.6 11.7
D/E 0.3 0.5

Key Takeaways

Revenue grew 10.61% annually over 5 years — strong growth
Earnings grew 25.20% over the past year
Net margin of 21.97% shows strong profitability
Debt/Equity of 0.28 — conservative balance sheet
Generating 45.74M in free cash flow
P/E of 12.74 — trading at a low valuation

Growth

Revenue Growth (5Y)
10.61%
Revenue (1Y)5.77%
Earnings (1Y)25.20%
FCF Growth (3Y)-11.55%

Quality

Return on Equity
8.97%
ROIC6.93%
Net Margin21.97%
Op. Margin29.18%

Safety

Debt / Equity
0.28
Current Ratio0.26
Interest Coverage0.90

Valuation

P/E Ratio
12.74
P/B Ratio1.13
EV/EBITDA11.34
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 5.77% Revenue Growth (3Y) 6.69%
Earnings Growth (1Y) 25.20% Earnings Growth (3Y) 2.10%
Revenue Growth (5Y) 10.61% Earnings Growth (5Y) -0.16%
Profitability
Revenue (TTM) 278.33M Net Income (TTM) 61.14M
ROE 8.97% ROA 0.95%
Gross Margin 67.08% Operating Margin 29.18%
Net Margin 21.97% Free Cash Flow (TTM) 45.74M
ROIC 6.93% FCF Growth (3Y) -11.55%
Safety
Debt / Equity 0.28 Current Ratio 0.26
Interest Coverage 0.90 Dividend Yield 0.04%
Valuation
P/E Ratio 12.74 P/B Ratio 1.13
P/S Ratio 2.80 PEG Ratio 0.47
EV/EBITDA 11.34 Dividend Yield 0.04%
Market Cap 778.67M Enterprise Value 920.94M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 278.33M 263.15M 244.52M 205.86M 185.92M
Net Income 61.14M 48.83M 58.65M 75.23M 61.52M
EPS (Diluted) 3.25 2.57 3.08 3.93 3.19
Gross Profit 186.72M 169.77M 188.91M 199.74M 183.80M
Operating Income 81.21M 64.05M 77.61M 99.42M 82.13M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6.44B 6.24B 6.17B 6.00B 6.20B
Total Liabilities 5.75B 5.56B 5.52B 5.40B 5.60B
Shareholders' Equity 686.59M 676.34M 645.29M 599.99M 601.13M
Total Debt 192.84M 124.94M 133.46M 294.38M 297.41M
Cash & Equivalents 50.57M 47.36M 49.27M 43.43M 48.36M
Current Assets 360.99M 344.52M 501.56M 524.94M 456.07M
Current Liabilities 1.39B 5.48B 5.44B 5.47B 5.54B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#259 of 326
37

Recent Activity

Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026