Symbols / TRST Stock $46.15 -0.71% TrustCo Bank Corp NY

Financial Services • Banks - Regional • United States • NMS
TRST (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Robert Joseph McCormick
Exch · Country NMS · United States
Market Cap 817.34M
Enterprise Value 188.69M
Income 63.15M
Sales 189.87M
FCF (ttm) —
Book/sh 38.08
Cash/sh 43.87
Employees 740
Insider 10d —
IPO Apr 20, 1983
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 43.99%
P/E 13.53
Forward P/E 16.08
PEG 0.63
P/S 4.30
P/B 1.21
P/C —
EV/EBITDA —
EV/Sales 0.99
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.41
EPS next Y 2.87
EPS Growth 21.30%
Revenue Growth 7.90%
EPS Gr Q/Q 14.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2025-07-21
ROA 0.98%
ROE 9.29%
ROIC —
Gross Margin 0.00%
Oper. Margin 46.96%
Profit Margin 33.26%
Shs Outstand 17.51M
Shs Float 16.84M
Insider Own 3.43%
Instit Own 83.08%
Short Float 4.86%
Short Ratio 5.22
Short Interest 687.02K
52W High 48.45
vs 52W High -4.75%
52W Low 30.04
vs 52W Low 53.63%
Beta 0.58
Impl. Vol. 59.37%
Rel Volume 0.60
Avg Volume 125.53K
Volume 74.78K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $46.48
Price $46.15
Change -0.71%
About

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, it operates as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$46.15
Latest analyst target
3. DCF / Fair value
$51.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$46.15
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-01-25 down Piper Sandler Neutral → Underweight $36
News
RSS: Latest TRST news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2021-05-21 HALL MICHAEL JAMES General Counsel — 1,125 $6.43 $7,234
2021-02-25 SALVADOR SCOT R Officer — 10,000 $5.17 $51,700
2020-11-20 MARINELLO ANTHONY J PH.D., M.D. Director — 1,170 — —
2020-11-20 MCCORMICK ROBERT J Chief Executive Officer — 15,369 — —
2020-11-20 LEONARD ROBERT M Officer — 8,121 — —
2020-11-20 SALVADOR SCOT R Officer — 8,121 — —
2020-11-20 MAGGS THOMAS O Director — 1,170 — —
2020-11-20 DE GENNARO DENNIS A Director — 1,170 — —
2020-11-20 SCHRECK ERIC W Officer and Treasurer — 2,239 — —
2020-11-20 OZIMEK MICHAEL M Chief Financial Officer — 2,239 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
187.92
+9.40%
171.77
-9.67%
190.16
-4.63%
199.40
Operating Revenue
187.92
+9.40%
171.77
-9.67%
190.16
-4.63%
199.40
Selling General And Administration
54.83
+1.42%
54.07
-5.84%
57.42
+12.35%
51.11
Selling And Marketing Expense
1.58
-12.15%
1.80
-3.99%
1.88
-8.21%
2.05
General And Administrative Expense
53.25
+1.88%
52.27
-5.90%
55.54
+13.21%
49.06
Salaries And Wages
48.74
+1.23%
48.15
-6.04%
51.24
+11.63%
45.90
Other Gand A
—
—
—
—
Reconciled Depreciation
11.46
+0.22%
11.44
+6.02%
10.79
+2.21%
10.55
Net Income
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Pretax Income
80.81
+26.18%
64.05
-17.48%
77.61
-21.93%
99.42
Net Interest Income
168.97
+11.21%
151.94
-11.58%
171.84
-4.60%
180.13
Interest Expense
90.44
-1.02%
91.38
+68.09%
54.36
+740.59%
6.47
Interest Income
259.42
+6.62%
243.32
+7.56%
226.21
+21.22%
186.60
Gain On Sale Of Security
0.00
-100.00%
1.38
0.00
0.00
Tax Provision
19.68
+29.34%
15.21
-19.79%
18.97
-21.57%
24.18
Tax Rate For Calcs
0.00
+2.10%
0.00
-2.46%
0.00
+0.41%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Net Income From Continuing Operation Net Minority Interest
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Net Income From Continuing And Discontinued Operation
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Net Income Continuous Operations
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Normalized Income
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Net Income Common Stockholders
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Diluted EPS
3.25
+26.46%
2.57
-16.56%
3.08
-21.63%
3.93
Basic EPS
3.26
+26.85%
2.57
-16.56%
3.08
-21.63%
3.93
Basic Average Shares
18.75
-1.40%
19.02
-0.03%
19.02
-0.56%
19.13
Diluted Average Shares
18.79
-1.30%
19.04
+0.06%
19.02
-0.56%
19.13
Diluted NI Availto Com Stockholders
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Insurance And Claims
4.51
+9.60%
4.12
-4.28%
4.30
+36.12%
3.16
Occupancy And Equipment
26.15
+1.73%
25.71
+2.68%
25.04
+4.26%
24.01
Other Non Interest Expense
18.25
-5.31%
19.27
-14.69%
22.59
+15.17%
19.62
Professional Expense And Contract Services Expense
6.27
-6.13%
6.67
+6.89%
6.25
+11.98%
5.58
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,440.70
+3.24%
6,238.74
+1.14%
6,168.19
+2.80%
6,000.05
Cash And Cash Equivalents
50.57
+6.77%
47.36
-3.88%
49.27
+13.46%
43.43
Other Short Term Investments
242.90
-32.19%
358.19
-20.81%
452.29
-6.07%
481.51
Net PPE
74.34
+5.59%
70.41
-5.55%
74.55
-3.54%
77.28
Gross PPE
173.36
-1.99%
176.89
-0.99%
178.65
+0.03%
178.59
Accumulated Depreciation
-99.02
+7.01%
-106.48
-2.28%
-104.10
-2.76%
-101.31
Land And Improvements
2.86
+7.73%
2.65
+8.47%
2.44
+0.74%
2.43
Buildings And Improvements
43.45
+17.12%
37.10
+2.08%
36.35
+0.24%
36.26
Machinery Furniture Equipment
56.55
-11.73%
64.06
+1.84%
62.90
+4.28%
60.32
Other Properties
33.64
-8.16%
36.63
-9.66%
40.54
-9.36%
44.73
Leases
36.87
+1.14%
36.45
+0.08%
36.42
+4.47%
34.86
Investments And Advances
314.76
-13.42%
363.55
-20.75%
458.75
-6.23%
489.22
Total Liabilities Net Minority Interest
5,754.11
+3.45%
5,562.40
+0.72%
5,522.91
+2.27%
5,400.06
Payables And Accrued Expenses
—
—
—
35.58
Current Accrued Expenses
—
—
—
35.58
Current Debt And Capital Lease Obligation
—
—
—
122.70
Current Debt
—
—
—
122.70
Other Current Borrowings
—
—
—
122.70
Long Term Debt And Capital Lease Obligation
36.39
-9.38%
40.16
-9.70%
44.47
-9.21%
48.98
Long Term Capital Lease Obligation
36.39
-9.38%
40.16
-9.70%
44.47
-9.21%
48.98
Stockholders Equity
686.59
+1.51%
676.34
+4.81%
645.28
+7.55%
599.99
Common Stock Equity
686.59
+1.51%
676.34
+4.81%
645.28
+7.55%
599.99
Capital Stock
20.12
+0.11%
20.10
+0.19%
20.06
+0.00%
20.06
Common Stock
20.12
+0.11%
20.10
+0.19%
20.06
+0.00%
20.06
Share Issued
19.58
-2.58%
20.10
+0.19%
20.06
+0.00%
20.06
Ordinary Shares Number
18.03
-5.21%
19.02
-0.02%
19.02
+0.00%
19.02
Treasury Shares Number
1.55
+43.81%
1.08
+4.23%
1.03
+0.00%
1.03
Additional Paid In Capital
—
258.87
+0.66%
257.18
+0.04%
257.08
Retained Earnings
480.00
+7.50%
446.50
+5.04%
425.07
+7.93%
393.83
Gains Losses Not Affecting Retained Earnings
270.36
+6.02%
255.01
+4.54%
243.94
+6.12%
229.88
Treasury Stock
83.88
+85.29%
45.27
+3.39%
43.79
+0.00%
43.79
Other Equity Adjustments
270.36
+6.02%
255.01
+4.54%
243.94
+6.12%
229.88
Total Equity Gross Minority Interest
686.59
+1.51%
676.34
+4.81%
645.28
+7.55%
599.99
Invested Capital
—
—
—
722.69
Total Debt
36.39
-9.38%
40.16
-9.70%
44.47
-9.21%
48.98
Net Debt
—
—
—
79.27
Capital Lease Obligations
36.39
-9.38%
40.16
-9.70%
44.47
-9.21%
48.98
Net Tangible Assets
686.59
+1.51%
676.34
+4.81%
645.28
+7.55%
599.99
Tangible Book Value
686.59
+1.51%
676.34
+4.81%
645.28
+7.55%
599.99
Available For Sale Securities
67.60
+10.29%
61.29
—
—
Cash Cash Equivalents And Federal Funds Sold
730.43
+13.81%
641.81
+11.04%
578.00
-11.16%
650.60
Held To Maturity Securities
4.26
-20.65%
5.37
-16.92%
6.46
-16.21%
7.71
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
57.60
-3.09%
59.44
-7.31%
64.13
-18.44%
78.63
Cash Flow From Continuing Operating Activities
57.60
-3.09%
59.44
-7.31%
64.13
-18.44%
78.63
Net Income From Continuing Operations
61.14
+25.20%
48.83
-16.73%
58.65
-22.05%
75.23
Depreciation Amortization Depletion
11.46
+0.22%
11.44
+6.02%
10.79
+2.21%
10.55
Depreciation
11.46
+0.22%
11.44
+6.02%
10.79
+2.21%
10.55
Depreciation And Amortization
11.46
+0.22%
11.44
+6.02%
10.79
+2.21%
10.55
Other Non Cash Items
-0.04
+46.67%
-0.07
+78.87%
-0.35
-190.98%
-0.12
Stock Based Compensation
1.27
+76.39%
0.72
+599.03%
0.10
0.00
Asset Impairment Charge
0.55
+56.29%
0.35
+144.76%
0.14
+110.29%
0.07
Deferred Tax
4.13
+108.16%
1.99
-7.88%
2.16
-47.59%
4.11
Deferred Income Tax
4.13
+108.16%
1.99
-7.88%
2.16
-47.59%
4.11
Operating Gains Losses
0.12
+108.19%
-1.53
-1611.88%
0.10
+132.06%
-0.32
Gain Loss On Investment Securities
0.00
+100.00%
-1.38
0.00
0.00
Gain Loss On Sale Of PPE
0.12
+186.81%
-0.14
-242.57%
0.10
+132.06%
-0.32
Change In Working Capital
-23.51
-334.08%
-5.42
+48.09%
-10.44
+18.67%
-12.83
Change In Receivables
-4.51
-165.91%
6.84
+401.19%
-2.27
-190.37%
2.51
Changes In Account Receivables
-0.64
-229.86%
0.49
+122.31%
-2.19
+8.40%
-2.39
Change In Payables And Accrued Expense
-4.42
-421.22%
1.38
-68.87%
4.42
+5425.30%
-0.08
Change In Accrued Expense
-4.25
-462.54%
1.17
-16.88%
1.41
+370.11%
-0.52
Change In Payable
-0.17
-183.82%
0.20
-93.22%
3.01
+585.65%
0.44
Change In Account Payable
-0.17
-183.82%
0.20
-93.22%
3.01
+585.65%
0.44
Change In Other Current Assets
-7.16
-12.95%
-6.34
-13.48%
-5.59
+33.73%
-8.43
Change In Other Current Liabilities
-7.42
-1.81%
-7.29
-4.23%
-7.00
-2.45%
-6.83
Investing Cash Flow
-104.67
-2691.28%
-3.75
+98.39%
-233.59
+43.93%
-416.63
Cash Flow From Continuing Investing Activities
-104.67
-2691.28%
-3.75
+98.39%
-233.59
+43.93%
-416.63
Net PPE Purchase And Sale
-11.87
-184.46%
-4.17
+26.39%
-5.67
-70.92%
-3.31
Purchase Of PPE
-11.87
-142.94%
-4.88
+13.80%
-5.67
-49.70%
-3.79
Sale Of PPE
0.00
-100.00%
0.71
0.00
-100.00%
0.47
Capital Expenditure
-11.87
-142.94%
-4.88
+13.80%
-5.67
-49.70%
-3.79
Net Investment Purchase And Sale
60.96
-38.04%
98.39
+145.78%
40.03
+134.11%
-117.36
Purchase Of Investment
-96.11
-124.70%
-42.77
-117.36%
-19.68
+90.33%
-203.52
Sale Of Investment
157.07
+11.27%
141.16
+136.41%
59.71
-30.69%
86.15
Net Other Investing Changes
0.44
+1980.95%
0.02
-98.95%
1.99
+404.56%
0.40
Financing Cash Flow
135.69
+1571.82%
8.12
-91.62%
96.87
+141.96%
-230.87
Cash Flow From Continuing Financing Activities
135.69
+1571.82%
8.12
-91.62%
96.87
+141.96%
-230.87
Net Issuance Payments Of Debt
35.27
+938.04%
-4.21
+87.51%
-33.71
+72.37%
-121.99
Net Short Term Debt Issuance
35.27
+938.04%
-4.21
+87.51%
-33.71
+72.37%
-121.99
Net Common Stock Issuance
-38.13
-10096.26%
-0.37
0.00
+100.00%
-7.00
Common Stock Payments
-38.13
-10096.26%
-0.37
0.00
+100.00%
-7.00
Cash Dividends Paid
-27.62
-0.77%
-27.41
-0.08%
-27.39
-1.47%
-26.99
Repurchase Of Capital Stock
-38.13
-10096.26%
-0.37
0.00
+100.00%
-7.00
Proceeds From Stock Option Exercised
0.02
-74.74%
0.10
0.00
-100.00%
0.43
Net Other Financing Charges
-0.29
-51.30%
-0.19
—
—
Changes In Cash
88.61
+38.88%
63.81
+187.90%
-72.59
+87.24%
-568.87
Beginning Cash Position
641.81
+11.04%
578.00
-11.16%
650.60
-46.65%
1,219.47
End Cash Position
730.43
+13.81%
641.81
+11.04%
578.00
-11.16%
650.60
Free Cash Flow
45.74
-16.17%
54.56
-6.68%
58.46
-21.88%
74.84
Interest Paid Supplemental Data
90.61
-0.61%
91.17
+77.55%
51.35
+751.87%
6.03
Income Tax Paid Supplemental Data
19.08
+108.46%
9.15
-51.99%
19.06
-2.03%
19.46
Amortization Of Securities
0.88
-22.25%
1.14
-34.43%
1.73
-23.48%
2.27
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category