TrustCo Bank Corp NY (NASDAQ: TRST) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 15.30 | EPS (ttm) | 3.60 | Insider Own | 3.56% | Shs Outstand | 17.03M | Perf Week | -3.32% |
| Market Cap | 938.07M | Forward P/E | 19.20 | EPS next Y | 2.87 | Insider Trans | 0.13% | Shs Float | 16.47M | Perf Month | 1.16% |
| Enterprise Value | 1.04B | PEG | - | EPS next Q | - | Inst Own | - | Short Float | 4.98% | Perf Quarter | 13.75% |
| Income | 65.00M | P/S | 3.88 | EPS this Y | -20.28% | Inst Trans | - | Short Ratio | 7.46 | Perf Half Y | 19.19% |
| Sales | 242.00M | P/B | 1.43 | EPS next Y | - | ROA | 1.00% | Short Interest | 819.76K | Perf YTD | 33.29% |
| Book/sh | 38.52 | P/C | 20.85 | EPS next 5Y | - | ROE | 9.62% | 52W High | 58.63 -6.60% | Perf Year | 66.59% |
| Cash/sh | 2.64 | P/FCF | 16.39 | EPS past 3/5Y | -6.14% 3.62% | ROIC | 0.49% | 52W Low | 32.62 67.85% | Perf 3Y | 81.64% |
| Dividend Est. | 1.52 (2.78%) | EV/EBITDA | 21.61 | Sales past 3/5Y | 10.51% 7.35% | Gross Margin | 62.53% | Volatility | 2.68% 2.80% | Perf 5Y | 63.81% |
| Dividend TTM | 1.52 (2.78%) | EV/Sales | 4.29 | EPS Y/Y TTM | 40.08% | Oper. Margin | 17.71% | ATR (14) | 1.50 | Perf 10Y | 67.70% |
| Dividend Ex-Date | Jun 05, 2026 | Quick Ratio | 0.41 | Sales Y/Y TTM | -7.98% | Profit Margin | 26.95% | RSI (14) | 46.23 | Recom | 3.33 |
| Dividend Gr. 3/5Y | 1.63% 1.67% | Current Ratio | 0.41 | EPS Q/Q | 24.05% | SMA20 | -1.91% | Beta | 0.64 | Target Price | - |
| Payout | 42.31% | Debt/Eq | 0.23 | Sales Q/Q | -57.97% | SMA50 | 0.98% | Rel Volume | 1.20 | Prev Close | 55.09 |
| Employees | 742 | LT Debt/Eq | 0.05 | Earnings | Oct 20 | SMA200 | 18.50% | Avg Volume | 120.34K | Price | 54.76 |
| IPO Date | Apr 20, 1983 | Option/Short | Yes / Yes | EPS/Sales Surpr. | - | Net Debt/EBITDA | 2.06 | Volume | 144,085 | Change | -0.60% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jan-25-23 | Downgrade | Piper Sandler | Neutral → Underweight | |
| Jan-25-21 | Downgrade | Piper Sandler | Overweight → Neutral | |
| Apr-23-20 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Oct-07-15 | Upgrade | Keefe Bruyette & Woods | Underperform → Market Perform | |
| Jul-23-15 | Downgrade | Keefe Bruyette & Woods | Market Perform → Underperform | |
| May-28-14 | Downgrade | Sandler O'Neill | Buy → Hold |
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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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 242 | 278 | 263 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 89 | 92 | 93 | — | — | — | — | — | — | |
| Gross Profit | 152 | 187 | 170 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 80 | 65 | 54 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 28 | 41 | 52 | — | — | — | — | — | — | |
| Operating Income | 42 | 81 | 64 | — | — | — | — | — | — | |
| Interest Expense | 89 | 90 | 91 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 133 | 90 | 91 | — | — | — | — | — | — | |
| Net Income Before Taxes | 87 | 81 | 64 | — | — | — | — | — | — | |
| Income Taxes | 21 | 20 | 15 | — | — | — | — | — | — | |
| Consolidated Net Income | 65 | 61 | 49 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 65 | 61 | 49 | — | — | — | — | — | — | |
| Net Income | 65 | 61 | 49 | — | — | — | — | — | — | |
| EPS (Recurring) | 3.60 | 3.25 | 2.57 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 3.60 | 3.25 | 2.57 | — | — | — | — | — | — | |
| EPS (Diluted) | 3.60 | 3.25 | 2.57 | — | — | — | — | — | — | |
| EBITDA | 48 | 90 | 75 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 15.21 | 12.72 | 12.96 | — | — | — | — | — | — | |
| Price To Sales Ratio | 4.07 | 2.68 | 2.41 | — | — | — | — | — | — | |
| Gross Margin | 62.81 | 67.27 | 64.64 | — | — | — | — | — | — | |
| Operating Margin | 17.36 | 29.14 | 24.33 | — | — | — | — | — | — | |
| Net Margin | 26.86 | 21.94 | 18.63 | — | — | — | — | — | — | |
| Shares Outstanding | 18 | 18 | 19 | — | — | — | — | — | — | |
| Market Capitalization | 986 | 744 | 633 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| LUCARELLI LISA M | Director | Jun 04 '26 | Buy | 52.29 | 100 | 5,229 | 100 | Jun 08 |
| Silverman Frank B | Director | Apr 24 '26 | Buy | 46.18 | 105 | 4,849 | 4,892 | Apr 28 |
| CURLEY KEVIN M | EXECUTIVE VICE PRESIDENT & COO | Mar 12 '26 | Buy | 42.55 | 588 | 25,019 | 40,984 | Mar 12 |
| LUCARELLI LISA M | Director | Nov 26 '25 | Buy | 42.69 | 200 | 8,538 | 2,997 | Dec 01 |
| LEONARD ROBERT M | EVP & CHIEF OPERATING OFFICER | Nov 21 '25 | Option Exercise | 0.00 | 1,600 | 0 | 36,345 | Nov 24 |
| CURLEY KEVIN M | EXECUTIVE VICE PRESIDENT & CBO | Nov 21 '25 | Option Exercise | 0.00 | 1,107 | 0 | 40,679 | Nov 24 |
| HALL MICHAEL JAMES | GENERAL COUNSEL & SECRETARY | Nov 21 '25 | Option Exercise | 0.00 | 542 | 0 | 10,643 | Nov 24 |
| MCCORMICK ROBERT J | CHAIRMAN, PRESIDENT & CEO | Nov 21 '25 | Option Exercise | 0.00 | 4,184 | 0 | 303,301 | Nov 24 |
| OZIMEK MICHAEL M | EXECUTIVE VICE PRESIDENT & CFO | Nov 21 '25 | Option Exercise | 0.00 | 1,107 | 0 | 30,407 | Nov 24 |
| Powell Curtis N | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 2,695 | Nov 21 |
| Silverman Frank B | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 5,337 | Nov 21 |
| LUCARELLI LISA M | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 3,347 | Nov 21 |
| Russell Kimberly Adams | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 5,250 | Nov 21 |
| Cotugno Steffani | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 2,157 | Nov 21 |
| Maggs Thomas O | Director | Nov 19 '25 | Option Exercise | 0.00 | 550 | 0 | 18,019 | Nov 21 |