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    T

    TrustCo Bank Corp NY (TRST)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $53.87
    -0.34 (-0.63%)

    Market Cap: $917.28M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(30/36)
    Avg Surprise
    +17.66%
    Streak
    3 Q
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Jul 21
    		$0.98N/AN/ABeat+24.1%
    Mar 26
    Reported Apr 21
    		$0.91N/AN/ABeat+21.5%
    Dec 25
    Reported Jan 21
    		$0.85N/AN/ABeat+43.9%
    Sep 25
    Reported Oct 21
    		$0.86$0.73+18.44%Beat+27.1%
    Jun 25
    Reported Jul 21
    		$0.79$0.69+14.49%Beat+19.7%
    Mar 25
    Reported Apr 21
    		$0.75$0.65+15.32%Beat+17.1%
    Dec 24
    Reported Jan 21
    		$0.59$0.64-7.81%Miss+13.5%
    Sep 24
    Reported Oct 21
    		$0.68$0.57+19.30%Beat-11.7%
    Jun 24
    Reported Jul 22
    		$0.66$0.53+24.53%Beat-23.3%
    Mar 24
    Reported Apr 22
    		$0.64$0.60+6.67%Beat-31.2%
    Dec 23
    Reported Jan 23
    		$0.52$0.66-21.21%Miss-52.7%
    Sep 23
    Reported Oct 23
    		$0.77$0.76+1.32%Beat-23.8%
    Jun 23
    Reported Jul 24
    		$0.86$0.85+1.18%Beat-7.5%
    Mar 23
    Reported Apr 24
    		$0.93$1.02-8.82%Miss+4.5%
    Dec 22
    Reported Jan 23
    		$1.10$0.99+11.11%Beat+29.4%
    Sep 22
    Reported Oct 24
    		$1.01$0.88+14.77%Beat+16.1%
    Jun 22
    Reported Jul 21
    		$0.93$0.77+20.78%Beat+24.0%
    Mar 22
    Reported Apr 21
    		$0.89$0.69+28.99%Beat+21.9%
    Dec 21
    Reported Jan 24
    		$0.85$0.74+14.86%Beat+18.1%
    Sep 21
    Reported Oct 21
    		$0.87$0.72+20.83%Beat+19.2%
    Jun 21
    Reported Jul 21
    		$0.75$0.69+8.70%Beat+27.1%
    Mar 21
    Reported Apr 21
    		$0.73$0.70+4.29%Beat+5.8%
    Dec 20
    Reported Jan 21
    		$0.72$0.70+2.86%Beat+0.0%
    Sep 20
    Reported Oct 21
    		$0.73$0.60+21.67%Beat-3.9%
    Jun 20
    Reported Jul 21
    		$0.59$0.55+7.27%Beat-22.4%
    Mar 20
    Reported Apr 21
    		$0.69$0.65+6.15%Beat-8.0%
    Dec 19
    Reported Jan 21
    		$0.72$0.15+380.00%Beat-13.3%
    Sep 19
    Reported Oct 21
    		$0.76$0.75+1.33%Beat-3.8%
    Jun 19
    Reported Jul 22
    		$0.76$0.75+1.33%Beat-5.0%
    Mar 19
    Reported Apr 22
    		$0.75$0.80-6.25%Miss-2.6%
    Dec 18
    Reported Jan 22
    		$0.83$0.80+3.75%Beat+27.7%
    Sep 18
    Reported Oct 22
    		$0.79$0.80-1.25%Miss+21.5%
    Jun 18
    Reported Jul 23
    		$0.80$0.80+0.00%Beat+23.1%
    Mar 18
    Reported Apr 23
    		$0.77$0.80-3.75%Miss+40.0%
    Dec 17
    Reported Jan 22
    		$0.65$0.60+8.33%Beat+18.2%
    Sep 17
    Reported Oct 23
    		$0.65$0.60+8.33%Beat-
    Jun 17
    Reported Jul 21
    		$0.65$0.55+18.18%Beat-
    Mar 17
    Reported Apr 21
    		$0.55$0.55+0.00%Beat-
    Dec 16
    Reported Jan 23
    		$0.55$0.55+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.97%
    Forward Annual Dividend$1.60
    Payout Ratio40.30%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+1.63%
    5Y CAGR+1.68%
    TRST dividend history and ex-dividend datesRun TRST in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio14.94EV/EBITDA9.45x
    Price/FCF15.35xFCF Yield6.51%
    Profitability
    Profit Margin33.40%Operating Margin46.70%
    ROE9.65%ROIC8.51%
    Financial Health
    Debt/Equity0.17xInterest Coverage0.97x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.66Avg Volume130.16K
    52-Week High$59.2852-Week Low$33.43

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$54.57
    SMA 20$55.16
    SMA 50$56.15
    SMA 200$49.69
    EMA 10$54.51
    EMA 20$55.10
    EMA 50$55.46
    EMA 200$50.24

    MACD

    Line: -0.68Signal: -0.55Hist: -0.13

    ADX

    ADX: 31.8+DI: 11.6-DI: 31.0

    Aroon & PSAR

    Aroon Up20.0
    Aroon Down100.0
    PSAR$55.89

    Bollinger Bands

    Upper Band$57.02
    Lower Band$53.30
    %B Position675%(Upper)
    Band Width0.15

    RSI (14-Day)

    Neutral
    39.5

    Momentum Oscillators

    Stoch %K28.5
    Stoch %D27.2
    Williams %R-78.1
    ROC (10d)-0.8%
    Momentum-0.42
    CCI (20d)-116.1
    MFI (14d)39.8

    Volatility Measures

    ATR (14d)$1.29(2.4%)
    StdDev (20d)0.93
    Hist Vol18.0%(Low)

    Volume Flow

    VWAP$53.70
    OBV6.7M
    AD Line-42.2M
    CMF (20d)-0.008

    Volume Metrics

    Avg Vol (20d)121.3K
    Vol Ratio0.9x
    VWMA (20d)$55.44

    Pivot Points

    R3$55.58
    R2$55.12
    R1$54.66
    Pivot Point$54.20
    S1$53.74
    S2$53.28
    S3$52.82

    Advanced Oscillators

    TSI-17.38
    Ultimate Osc47.1
    KST-40.83

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$51.50M$49.55M$48.16M$47.81M$46.60M$45.35M$43.31M$43.60M$43.44M$41.42M$43.08M$46.80M
    Cost of RevenueN/A$22.47M$22.36M$23.16M$23.38M$22.74M$23.41M$22.90M$23.30M$23.70M$21.38M$15.43M
    Gross ProfitN/A$48.55M$48.16M$47.56M$45.95M$45.05M$42.91M$43.10M$42.94M$40.82M$41.73M$46.70M
    Operating Expenses$28.33M$26.98M$26.71M$26.24M$26.22M$26.33M$28.16M$26.20M$26.46M$24.90M$28.83M$27.46M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$21.62M$21.45M$21.32M$19.73M$18.72M$14.75M$16.90M$16.48M$15.92M$12.90M$19.23M
    Interest Income$67.71M$66.23M$66.09M$66.03M$64.47M$62.82M$61.91M$61.07M$60.59M$59.75M$58.64M$57.55M
    Interest Expense$22.12M$21.52M$22.36M$22.91M$22.73M$22.44M$23.01M$22.40M$22.80M$23.18M$20.03M$15.33M
    Income Before Tax$22.52M$21.62M$21.05M$21.32M$19.73M$18.72M$14.75M$16.90M$16.48M$15.92M$12.90M$19.23M
    Income Tax Expense$5.55M$5.33M$5.49M$5.06M$4.69M$4.44M$3.46M$4.03M$3.93M$3.79M$3.05M$4.55M
    Net Income$16.96M$16.29M$15.56M$16.26M$15.04M$14.28M$11.28M$12.88M$12.55M$12.13M$9.85M$14.68M
    EBITDA$25.61M$24.69M$29.18M$24.40M$22.79M$21.78M$11.36M$23.21M$16.15M$19.00M$9.46M$22.34M
    EBIT$22.52M$21.62M$21.05M$21.32M$19.73M$18.72M$14.75M$16.90M$16.48M$15.92M$12.90M$19.23M
    * Some calculated fields are derived from available data when not provided by source

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    News

    TrustCo Bank Corp NY TRST Stock Forecast & Price Target

    This article provides an analyst stock forecast and price target for TrustCo Bank Corp NY (TRST), detailing various reports from Argus over several months. While no general analyst price targets or recommendations are...

    Yahoo! Finance Canada•10/15/26•Neutral

    TrustCo Bank schedules release of Q3 2026 results

    TrustCo Bank (TRST) announced it will release its third-quarter 2026 financial results on October 21, 2026, with a conference call scheduled for October 22, 2026, to discuss the findings. Spark, TipRanks’ AI Analyst...

    The Globe and Mail•10/15/26•Neutral

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

    TrustCo Bank Corp NY (Nasdaq: TRST) announced it will release its third-quarter 2026 financial results after market close on October 21...

    GlobeNewswire•10/14/26•Neutral

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

    TrustCo Bank Corp NY (Nasdaq: TRST) announced it will release its third-quarter 2026 financial results after market close on October 21, 2026. A conference call for investors and analysts will follow on October 22, 2026...

    GlobeNewswire•10/13/26•Neutral

    TrustCo Bank Corp NY to release Q3FY26 results on October 21

    TrustCo Bank Corp NY (TRST) is scheduled to release its third-quarter 2026 financial results after the market closes on October 21, 2026. A conference call to discuss these results will follow on October 22, 2026...

    scanx.trade•10/13/26•Neutral

    TRST Valuation and Fair Value

    P/E
    14.9x
    Forward P/E
    14.0x
    EV/EBITDA
    9.4x
    P/FCF
    15.4x
    PEG
    0.6x
    P/B
    1.4x
    See GNG's fair value

    TRST Profitability: Margins, ROIC and FCF

    Operating margin
    46.7%
    Net margin
    33.4%
    ROIC
    8.5%
    ROE
    9.7%
    FCF margin
    30.3%
    FCF yield
    6.5%

    TRST Competitors

    CompanyTicker
    Camden National CorporationCAC
    Selective Insurance Group, Inc.SIGIP
    NB Bancorp, Inc. Common StockNBBK
    Central Pacific Financial CorpCPF
    Horizon BancorpHBNC
    Mid Penn BancorpMPB
    Equity Bancshares, Inc.EQBK
    First Community Bancshares IncFCBC

    Sector: Financial Services

    TRST Bull Case vs Bear Case

    Bull case

    • TRST converts 30.3% of revenue into free cash flow.
    • TRST has a 33.4% net profit margin.
    • TRST beat EPS estimates in 75.0% of its last 8 reported quarters.

    TRST Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    8.7%

    TRST Dividend

    Forward yield
    3.0%
    Payout ratio
    40.3%
    3Y DPS growth
    1.6%
    5Y DPS growth
    1.7%
    Pay months
    Jan, Apr, Jul, Oct
    TRST dividend history

    Frequently Asked Questions About TRST

    What is TRST's current dividend yield?

    TrustCo Bank Corp NY (TRST) has a forward dividend yield of 2.97%.

    Does TRST pay dividends?

    Yes, TrustCo Bank Corp NY pays dividends with a forward dividend yield of 2.97%.

    What is TRST's P/E ratio?

    TrustCo Bank Corp NY has a price-to-earnings (P/E) ratio of 14.94.

    What is TRST's market cap?

    TrustCo Bank Corp NY (TRST) has a market capitalization of $917.28M with a current stock price of $53.87.

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