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TrustCo Bank Corp NY TRST

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Price alert · TRST

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56.26 USD -0.61 -1.07%

At close · Oct 30

55.69 -0.57 -1.01%

After hours · Oct 30, 6:41 PM ET

Bid
56.02 × 2
Ask
56.31 × 2
56.01 Day range 57.30
37.64 52-week range 59.11
YTD
+36.12%
1 year
+49.47%
Open
56.98
Prev close
56.87
Mkt cap
957.98M
Vol
102.44K
Avg vol
129.24K
EPS
3.75
P/E
15.00
Div yield
2.73%
More statistics
Low
56.01
High
57.30
Forward P/E
20.60
Beta
0.64
Short ratio
6.94
Inst. own
79.66%
Dividend
1.60
Ex-div date
Sep 3, 2026
50-d avg
56.47
200-d avg
48.78
1y target
0.00

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Financial health

Altman Z-Score

-0.63 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 12.7×
FY 2016: 19.6×FY 2017: 20.4×FY 2018: 10.8×FY 2019: 14.5×FY 2020: 12.3×FY 2021: 10.4×FY 2022: 9.6×FY 2023: 10.1×FY 2024: 13.0×FY 2025: 12.7×
FY 2016 5y median 10.4× FY 2025
P/S 2.7×
FY 2016: 4.6×FY 2017: 4.7×FY 2018: 3.3×FY 2019: 4.0×FY 2020: 3.3×FY 2021: 3.5×FY 2022: 3.5×FY 2023: 2.4×FY 2024: 2.4×FY 2025: 2.7×
FY 2016 5y median 2.7× FY 2025
P/B 1.1×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 16.5×
FY 2016: 15.8×FY 2017: 15.2×FY 2018: 10.3×FY 2019: 14.0×FY 2020: 11.0×FY 2021: 12.2×FY 2022: 9.6×FY 2023: 10.1×FY 2024: 11.6×FY 2025: 16.5×
FY 2016 5y median 11.6× FY 2025
EV/EBITDA 9.3×
FY 2016: 13.8×FY 2017: 13.4×FY 2018: 9.2×FY 2019: 11.5×FY 2020: 10.9×FY 2021: 9.6×FY 2022: 8.8×FY 2023: 7.6×FY 2024: 9.4×FY 2025: 9.3×
FY 2016 5y median 9.3× FY 2025
EV/Sales 3.1×
FY 2016: 5.5×FY 2017: 5.8×FY 2018: 3.9×FY 2019: 4.7×FY 2020: 4.4×FY 2021: 4.8×FY 2022: 4.7×FY 2023: 2.8×FY 2024: 2.7×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
FCF Yield 6.1%
FY 2016: 6.3%FY 2017: 6.6%FY 2018: 9.7%FY 2019: 7.1%FY 2020: 9.1%FY 2021: 8.2%FY 2022: 10.4%FY 2023: 9.9%FY 2024: 8.6%FY 2025: 6.1%
FY 2016 5y median 8.6% FY 2025

Profitability

Gross Margin 67.1%
FY 2016: 89.9%FY 2017: 91.1%FY 2018: 89.1%FY 2019: 82.8%FY 2020: 84.5%FY 2021: 98.9%FY 2022: 97.0%FY 2023: 77.3%FY 2024: 64.5%FY 2025: 67.1%
FY 2016 5y median 77.3% FY 2025
Operating Margin 29.2%
FY 2016: 37.9%FY 2017: 41.0%FY 2018: 40.0%FY 2019: 36.3%FY 2020: 35.5%FY 2021: 44.2%FY 2022: 48.3%FY 2023: 31.7%FY 2024: 24.3%FY 2025: 29.2%
FY 2016 5y median 31.7% FY 2025
Net Margin 22.0%
FY 2016: 23.6%FY 2017: 23.0%FY 2018: 30.9%FY 2019: 27.4%FY 2020: 26.8%FY 2021: 33.1%FY 2022: 36.5%FY 2023: 24.0%FY 2024: 18.6%FY 2025: 22.0%
FY 2016 5y median 24.0% FY 2025
ROE 8.9%
FY 2016: 9.8%FY 2017: 9.4%FY 2018: 12.5%FY 2019: 10.7%FY 2020: 9.2%FY 2021: 10.2%FY 2022: 12.5%FY 2023: 9.1%FY 2024: 7.2%FY 2025: 8.9%
FY 2016 5y median 9.1% FY 2025
ROIC 7.0%
FY 2016: 6.6%FY 2017: 6.2%FY 2018: 9.4%FY 2019: 7.8%FY 2020: 6.3%FY 2021: 6.8%FY 2022: 9.7%FY 2023: 7.2%FY 2024: 5.8%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
ROA 0.9%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 1.1%FY 2020: 0.9%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 5.8%
FY 2016: 1.8%FY 2017: 3.9%FY 2018: 6.2%FY 2019: 5.9%FY 2020: -7.2%FY 2021: -4.9%FY 2022: 10.7%FY 2023: 18.8%FY 2024: 7.6%FY 2025: 5.8%
FY 2016 FY 2025
Operating Income 26.8%
FY 2016: 2.3%FY 2017: 12.4%FY 2018: 3.8%FY 2019: -3.9%FY 2020: -9.2%FY 2021: 18.3%FY 2022: 21.0%FY 2023: -21.9%FY 2024: -17.5%FY 2025: 26.8%
FY 2016 FY 2025
EPS (diluted) 26.5%
FY 2016: 0.5%FY 2017: 0.4%FY 2018: 42.0%FY 2019: -6.3%FY 2020: -8.7%FY 2021: 17.3%FY 2022: 23.2%FY 2023: -21.6%FY 2024: -16.6%FY 2025: 26.5%
FY 2016 FY 2025
Free Cash Flow -16.2%
FY 2016: -6.1%FY 2017: 9.9%FY 2018: 10.2%FY 2019: -6.4%FY 2020: -2.6%FY 2021: -9.9%FY 2022: 42.5%FY 2023: -21.9%FY 2024: -6.7%FY 2025: -16.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: 2.2×FY 2017: 2.5×FY 2018: 1.3×FY 2019: 1.8×FY 2020: 2.8×FY 2021: 2.7×FY 2022: 2.3×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Interest Coverage 0.9×
FY 2016: 4.5×FY 2017: 5.3×FY 2018: 3.9×FY 2019: 2.1×FY 2020: 2.8×FY 2021: 10.8×FY 2022: 15.4×FY 2023: 1.4×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 1.4× FY 2025

Dividends

Dividend Yield 3.7%
FY 2016: 3.0%FY 2017: 2.8%FY 2018: 3.9%FY 2019: 3.1%FY 2020: 4.1%FY 2021: 4.1%FY 2022: 3.8%FY 2023: 4.6%FY 2024: 4.3%FY 2025: 3.7%
FY 2016 5y median 4.1% FY 2025
Payout Ratio 45.2%
FY 2016: 58.8%FY 2017: 58.4%FY 2018: 41.6%FY 2019: 45.6%FY 2020: 50.2%FY 2021: 42.7%FY 2022: 35.9%FY 2023: 46.7%FY 2024: 56.1%FY 2025: 45.2%
FY 2016 5y median 45.2% FY 2025

Annual · latest fiscal year ends 2025-12-31