TRST logo

TRUSTCO BANK CORP NY

TRSTNASDAQ
πŸ† #2404 by market capEarnings Jan 20US Equity
$56.87β–² $0.17 (+0.30%)
πŸŒ… Pre-market$57.20β–² 0.58%Regular close Β· extended-hours price shown
πŸ””
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24hβ–² 0.3%
7dβ–² 2.1%
14dβ–² 4.7%
30dβ–² 4.8%
ytdβ–² 37.5%
1yβ–² 51.4%
🏦Market Cap
$968M
Small Cap
πŸ“ˆRevenue Growth (YoY)
5.8%
Slowing
πŸ“ŠGross Margin
63.0%
High
πŸ’΅FCF Margin
26.1%
Strong
βš–οΈP/S Ratio
4.0x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$56.64 – $58.05
52-Week Range
$36.93 – $59.28
Volume (shares)
97,798
Avg Volume (shares)
β€”
Shares Outstanding
17.0M
Next Earnings
2027-01-20

Fundamentals Snapshot

Annual Revenue
$278M
Last Q Revenue
$74M
P/E Ratio
15.1
P/S Ratio
4.0x
EPS (TTM)
$3.93
Dividend Yield
2.71%
Dilution (1yr)
βˆ’3.7%
TRST logo

TRUSTCO BANK CORP NY

TRST
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$278Mβ–² +5.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.1%β–² +4.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$81Mβ–² +26.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$46Mβ–Ό βˆ’16.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
18.3Mβ–Ό βˆ’3.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$106Mβ–Ό βˆ’$28M YoY
StockOtter Β· stockotter.space

About TRUSTCO BANK CORP NY

TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices in Glenville, New York.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Sell
6 analysts
Strong Buy0
Buy0
Hold2
Sell2
Strong Sell2
Ratings as of Oct 2024

Latest News & Updates

Fool - Investing NewsΒ·17h ago

TrustCo Bank: 3 Key Takeaways for Long-Term Investors

Seven straight quarters of net recoveries show how disciplined underwriting sustains profitability even as the bank expands its loan book.

MarketBeatΒ·8d ago

What TrustCo Bank Corp NY (TRST) Said on Its Q3 Earnings Call

TrustCo Bank Corp NY NASDAQ: TRST reported third-quarter 2026 net income of $17.3 million, up 6.5% from the prior-year period, as higher net interest income, loan growth and deposit growth supported results.

GlobeNewsWireΒ·8d ago

TrustCo's Positive Momentum Yields 6.5% Net Income Increase; $17.3 Million for Third Quarter of 2026

Executive Snapshot: Financial results: Key metrics for the third quarter of 2026 compared to the third quarter of 2025: Diluted earnings per share of $1.02 increased 18.6% compared to $0.86 Net interest income of $47.0 m

Defense WorldΒ·9d ago

Head to Head Comparison: BayFirst Financial (NASDAQ:BAFN) vs. TrustCo Bank Corp NY (NASDAQ:TRST)

TrustCo Bank Corp NY (NASDAQ: TRST - Get Free Report) and BayFirst Financial (NASDAQ: BAFN - Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based

GlobeNewsWireΒ·16d ago

TrustCo to Release Third Quarter 2026 Results on October 21, 2026; Conference Call on October 22, 2026

GLENVILLE, N.Y., Oct. 13, 2026 (GLOBE NEWSWIRE) -- TrustCo Bank Corp NYΒ (TrustCo, Nasdaq: TRST) today announced that it will release third quarter 2026 results after the market close on October 21, 2026. Results are rele

Defense WorldΒ·25d ago

Northeast Bancorp (NASDAQ:NBN) versus TrustCo Bank Corp NY (NASDAQ:TRST) Head to Head Comparison

Northeast Bancorp (NASDAQ: NBN - Get Free Report) and TrustCo Bank Corp NY (NASDAQ: TRST - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based