TrustCo Bank Corp NY (TRST) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

TrustCo Bank Corp NY

NasdaqGS•Financial Services•Banks - Regional

$57.92+0.72(0.01%)Market closed

Market Cap

$980.62M

P/E

15.1x

P/S

5.6x

P/B

1.5x

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.

How this company scores

GoodMetricSide Score: 74/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth23/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsRising earningsProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 15.1x5y range 7.3x – 15.1x

Currently above its 20-quarter median.

P/S · 5.6x5y range 2.8x – 5.6x

Currently above its 20-quarter median.

P/B · 1.5x5y range 0.8x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $980.62M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $174.90M
Q. Revenue: $44.94M
TTM EBITDA: $93.91M
TTM Op. Income: $86.51M
Q. Op. Income: $22.52M
TTM Net Income: $65.07M
Q. Net Income: $16.96M
EPS: $0.98
Shares Out.: $17.30M

$174.90M in TTM revenue grew 10.8% YoY, reaching $44.94M last quarter. TTM EBITDA of $93.91M and TTM operating income of $86.51M show growth is flowing through to the bottom line. TTM net income of $65.07M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 52.9%
Op. Margin: 50.1%
Net Margin: 37.8%

Op. margin of 50.1% is up 2.1% YoY — cost efficiency is improving. Net margin at 37.8% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 15.1x
P/S Ratio: 5.6x
P/B Ratio: 1.5x

At 15.1x P/E, the stock trades within typical market levels. P/S of 5.6x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 27% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $6.52B
Cash: $696.64M
Long-Term Debt: N/A
Book Value: $656.01M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $27.99M
TTM Free Cash Flow: $59.75M
FCF Margin: 34.2%
FCF / Net Income: 0.9

TTM FCF of $59.75M on $27.99M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.