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TRST Overview

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Intellectia

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High
44.815
Open
44.510
VWAP
44.48
Vol
82.22K
Mkt Cap
528.69M
Low
44.040
Amount
3.66M
EV/EBITDA(TTM)
7.92
Total Shares
--
EV
615.50M
EV/OCF(TTM)
3.20
P/S(TTM)
3.69
TrustCo Bank Corp NY is a savings and loan holding company. The Company operates, through its principal subsidiary, Trustco Bank (the Bank). The Bank is a federal savings bank engaged in providing general banking services to individuals and businesses. The Bank provides a wide range of both personal and business banking services, including a full array of deposit products for both individuals and businesses. The Bank also offers trust and investment services through its Financial Services Department. Trustco Financial Services, the name under which the Bank’s trust department operates, serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, provides estate planning and related advice, provides custodial services, and acts as trustee for various types of employee benefit plans and corporate pension and profit-sharing trusts. The Bank operates about 154 automatic teller machines and 136 banking offices.
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Events Timeline

(ET)
2026-01-21
16:10:00
Trustco Bank Reports Q4 Tangible Book Value of $38.05
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2025-08-19 (ET)
2025-08-19
16:02:21
Trustco Bank raises quarterly dividend by 5.6% to 38 cents per share
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2025-07-21 (ET)
2025-07-21
16:03:46
Trustco Bank reports Q2 EPS 79c vs. 66c last year
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2025-04-21 (ET)
2025-04-21
16:05:55
Trustco Bank reports Q1 EPS 75c vs. 64c last year
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2025-03-18 (ET)
2025-03-18
16:12:00
Trustco Bank announces 1M share stock repurchase plan
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2025-01-21 (ET)
2025-01-21
15:07:19
Trustco Bank reports Q4 EPS 59c vs. 52c last year
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2024-10-21 (ET)
2024-10-21
16:07:37
Trustco Bank reports Q3 EPS 68c vs.77c last year
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News

Barron's
1.0
02-10Barron's
Wall Street Banks Are Taking Notice of an Activist Investor
  • Finance Conferences in Florida: Wall Street executives are gathering in southeast Florida for a series of finance industry conferences this week.

  • Activist Hedge Fund's Role: A small activist hedge fund known for advocating changes at U.S. banks is becoming more assertive during this event.

8.5
02-09PRnewswire
HoldCo Asset Management Unveils New Presentation at UBS Conference
  • Asset Management Scale: HoldCo Asset Management manages approximately $2.8 billion in regulatory assets, showcasing its strength and influence in the financial services sector, indicating its significant position within the industry.
  • Activist Shareholder Campaigns: The firm has launched five public activist campaigns targeting banks such as KeyCorp and Comerica, demonstrating its proactive role in driving corporate governance and management changes, which is expected to impact upcoming shareholder meetings.
  • Soft Activism Engagements: Additionally, HoldCo has engaged in behind-the-scenes 'soft activism' dialogues with four banks, reflecting its diversified strategy to promote industry change through constructive discussions aimed at achieving substantive improvements.
  • Management Changes: Co-founders of HoldCo noted that over the past six months, management teams and boards have made significant changes due to their initiatives, indicating the effectiveness of their shareholder activism and potentially reducing the need for future proxy contests, thereby enhancing investor confidence.
NASDAQ.COM
9.5
01-21NASDAQ.COM
TrustCo Bank Corp NY Reports Q4 Earnings Growth to $15.56 Million
  • Significant Earnings Growth: TrustCo Bank's Q4 net income reached $15.56 million, translating to an EPS of $0.85, marking a 38.5% and 44.1% increase from last year's $11.28 million and $0.59, respectively, indicating a substantial improvement in profitability.
  • Revenue Continues to Rise: The quarterly revenue grew by 12.4% to $43.73 million compared to $38.90 million last year, reflecting enhanced competitiveness and an expanding customer base for the company.
  • Strong Financial Performance: TrustCo's EPS and total revenue exceeded market expectations, demonstrating its adaptability to changing economic conditions and ongoing growth potential, which may attract more investor interest.
  • Increased Market Confidence: With the dual growth in earnings and revenue, TrustCo Bank solidifies its position in the financial market, likely driving its stock price upward and boosting investor confidence.
Newsfilter
9.5
01-21Newsfilter
TrustCo Bank Reports Q4 2025 Net Income of $15.6 Million, Up 38%
  • Net Income Growth: TrustCo Bank reported a net income of $15.6 million for Q4 2025, a 38% increase from $11.3 million in Q4 2024, indicating strong revenue growth that boosts investor confidence.
  • Earnings Per Share Increase: Diluted earnings per share rose to $0.85, up 44.1% from $0.59 in the same quarter last year, reflecting significant improvements in profitability that enhance shareholder returns.
  • Net Interest Margin Expansion: The net interest margin increased to 2.82% from 2.60% in 2024, a rise of 22 basis points, primarily driven by higher asset yields and effective deposit pricing strategies, further solidifying the company's competitive position.
  • Stock Repurchase Program: TrustCo repurchased one million shares, or 5.3% of its common stock, in 2025, with plans to buy back an additional two million shares in 2026, demonstrating confidence in its value and commitment to shareholders.
seekingalpha
9.5
01-21seekingalpha
TrustCo Bank (TRST) Reports Q4 EPS of $0.85 with 11.2% Revenue Growth
  • Earnings Highlights: TrustCo Bank reported a Q4 GAAP EPS of $0.85, indicating robust profitability and reflecting the company's strong financial health in a competitive market.
  • Revenue Growth: The bank's revenue reached $48.16 million in Q4, marking an 11.2% year-over-year increase, primarily driven by effective business expansion and an increasing customer base, further solidifying its market position.
  • Net Interest Margin Improvement: The net interest margin rose from 2.60% to 2.82%, an increase of 22 basis points, demonstrating TrustCo's effectiveness in asset-liability management and enhancing its profitability.
  • Return on Assets Enhancement: The return on average assets improved to 0.97%, up 32.9% from 0.73%, showcasing significant improvements in resource allocation and profitability, thereby boosting investor confidence.
Yahoo Finance
9.5
01-12Yahoo Finance
TrustCo Bank to Release Q4 2025 Results on January 21, 2026
  • Earnings Release Schedule: TrustCo Bank will release its Q4 2025 results after market close on January 21, 2026, ensuring timely access to financial information for investors and enhancing market transparency.
  • Conference Call Timing: The company will hold a conference call on January 22, 2026, at 9:00 a.m. Eastern Time to discuss the earnings report, providing investors with a direct communication channel with management to facilitate information exchange.
  • Replay Service: A replay of the conference call will be available for 30 days, ensuring that investors who cannot participate live can access key information, thereby improving investor relations management effectiveness.
  • Company Background: TrustCo Bank is a $6.3 billion savings and loan holding company operating 134 offices across New York, New Jersey, and Florida, demonstrating its solid position in the regional financial market.

Valuation Metrics

The current forward P/E ratio for TrustCo Bank Corp NY (TRST.O) is 11.33, compared to its 5-year average forward P/E of 11.03. For a more detailed relative valuation and DCF analysis to assess TrustCo Bank Corp NY's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.03
Current PE
11.33
Overvalued PE
12.66
Undervalued PE
9.39

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.34
Current PS
3.27
Overvalued PS
3.71
Undervalued PS
2.96

Financials

AI Analysis
Annual
Quarterly

Whales Holding TRST

S
Systematic Financial Management LP
Holding
TRST
+11.19%
3M Return

Trading Trends

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Frequently Asked Questions

What is TrustCo Bank Corp NY (TRST) stock price today?

The current price of TRST is 44.59 USD — it has increased 1.13

What is TrustCo Bank Corp NY (TRST)'s business?

TrustCo Bank Corp NY is a savings and loan holding company. The Company operates, through its principal subsidiary, Trustco Bank (the Bank). The Bank is a federal savings bank engaged in providing general banking services to individuals and businesses. The Bank provides a wide range of both personal and business banking services, including a full array of deposit products for both individuals and businesses. The Bank also offers trust and investment services through its Financial Services Department. Trustco Financial Services, the name under which the Bank’s trust department operates, serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, provides estate planning and related advice, provides custodial services, and acts as trustee for various types of employee benefit plans and corporate pension and profit-sharing trusts. The Bank operates about 154 automatic teller machines and 136 banking offices.

What is the price predicton of TRST Stock?

Wall Street analysts forecast TRST stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for TRST is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is TrustCo Bank Corp NY (TRST)'s revenue for the last quarter?

TrustCo Bank Corp NY revenue for the last quarter amounts to 41.25M USD, increased 9.87

What is TrustCo Bank Corp NY (TRST)'s earnings per share (EPS) for the last quarter?

TrustCo Bank Corp NY. EPS for the last quarter amounts to 0.75 USD, increased 17.19

How many employees does TrustCo Bank Corp NY (TRST). have?

TrustCo Bank Corp NY (TRST) has 737 emplpoyees as of March 05 2026.

What is TrustCo Bank Corp NY (TRST) market cap?

Today TRST has the market capitalization of 528.69M USD.