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TRST

NEUTRAL
$46.61 Live
TrustCo Bank Corp NY · NASDAQ
$28.35 52W Range $48.45
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$825.49M
P/E
14.34
ROE
9.0%
Profit margin
32.8%
Debt/Equity
N/A
Dividend yield
3.26%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
TRST presents a stark contrast between deep fundamental value and deteriorating operational health, highlighted by a weak Piotroski F-Score of 3/9. While the stock is significantly undervalued relative to its Graham Number ($52.77) and Intrinsic Value ($95.88), the low health score and a very bearish technical trend (10/100) suggest significant headwinds. Strong earnings growth (41.7% YoY) and a low PEG ratio (0.63) provide a bullish growth narrative, but these are offset by poor insider sentiment and operational red flags.

Key Strengths

Significant undervaluation relative to Graham Number ($52.77) and Intrinsic Value ($95.88)
Strong earnings growth profile with 41.7% YoY increase
Attractive PEG ratio of 0.63, suggesting growth is not yet priced in
Sustainable dividend payout ratio of 45.54%
Low P/E ratio (14.34) compared to the broader financial services sector average

Key Risks

Weak operational health indicated by a Piotroski F-Score of 3/9
Severe bearish technical trend (10/100) despite long-term price gains
High concentration in residential mortgage loans increasing credit risk
Sensitivity to interest rate fluctuations and monetary policy changes
Low insider sentiment (40/100) suggesting lack of confidence from management
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+47.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
66
Strong
Value
90
Future
85
Past
75
Health
20
Dividend
60
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Strong EPS growth, Poor Piotroski health score, Bearish technicals
Confidence
80%
Value
90/100

Ref P/E 14.34, PEG 0.63, Graham $52.77

Positives
  • Price below Graham Number
  • Low P/E and PEG
  • P/B of 1.22 is reasonable
Watchpoints
No urgent risks highlighted.
Future
85/100

Ref Growth rates

Positives
  • 41.7% YoY Earnings Growth
  • 11.3% Revenue Growth
Watchpoints
  • Forward P/E is slightly higher than trailing P/E
Past
75/100

Ref Historical trends

Positives
  • 70.4% 1Y price return
  • Consistent earnings beat track record (3/4 last quarters)
Watchpoints
  • Recent technical breakdown
Health
20/100

Ref Piotroski F-Score

Positives
  • Positive ROE and ROA
Watchpoints
  • Piotroski F-Score 3/9 (Weak)
Dividend
60/100

Ref Yield 3.26%, Payout 45.54%

Positives
  • Sustainable payout ratio
  • Consistent yield
Watchpoints
  • Moderate yield (3.26%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$46.61

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TRST and closest competitors.

Updated 2026-04-20
TRS
TrustCo Bank Corp NY
Primary
5Y
+55.7%
3Y
+81.2%
1Y
+70.4%
6M
+30.7%
1M
+9.3%
1W
-0.6%
FMN
Farmers National Banc Corp.
Peer
5Y
+4.5%
3Y
+34.2%
1Y
+17.1%
6M
+1.9%
1M
+11.8%
1W
+4.0%
HTB
Heritage Commerce Corp
Peer
5Y
+39.7%
3Y
+91.7%
1Y
+72.2%
6M
+45.8%
1M
+11.2%
1W
+5.0%
PRA
PRA Group, Inc.
Peer
5Y
-42.8%
3Y
-43.5%
1Y
+24.0%
6M
+55.9%
1M
+20.3%
1W
+10.3%
NMF
New Mountain Finance Corporation
Peer
5Y
+11.7%
3Y
-0.7%
1Y
+1.2%
6M
-7.0%
1M
+10.2%
1W
+2.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.34
Forward P/E
16.24
PEG Ratio
0.63
P/B Ratio
1.22
P/S Ratio
4.43
EV/Revenue
1.35
EV/EBITDA
N/A
Market Cap
$825.49M

Profitability

Profit margins and return metrics

Profit Margin 32.81%
Operating Margin 46.79%
Gross Margin N/A
ROE 8.97%
ROA 0.96%

Growth

Revenue and earnings growth rates

Revenue Growth +11.3%
Earnings Growth +41.7%
Q/Q Revenue Growth +11.21%
Q/Q Earnings Growth +38.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$41.24

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
32.3%
Total Assets
$6.4B
Liabilities
$5.8B
Equity
$0.7B
Debt/Equity
8.38x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
86%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-21
$N/A
2025-07-21
$0.79
+14.5% surprise
2024-07-22
$0.66
+24.5% surprise
2024-04-22
$0.64
+6.7% surprise

Financial Services Sector Comparison

Comparing TRST against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
14.34
This Stock
vs
41.68
Sector Avg
-65.6% (Discount)
Return on Equity (ROE)
8.97%
This Stock
vs
-0.24%
Sector Avg
-3792.4% (Below Avg)
Profit Margin
32.81%
This Stock
vs
47.47%
Sector Avg
-30.9% (Weaker)
Revenue Growth
11.3%
This Stock
vs
39.3%
Sector Avg
-71.2% (Slower)

Similar Companies

Peer comparison within the same industry

TRST TrustCo Bank Corp NY
NEUTRAL
Mkt Cap
$825M
P/E
14.3
ROE
9.0%
Price
$46.61
FMNB Farmers...
BULLISH
Mkt Cap
$824M
P/E
9.6
ROE
12.2%
Price
$13.94
 Compare with TRST
HTBK Heritage Commerce Corp
BULLISH
Mkt Cap
$824M
P/E
17.1
ROE
6.8%
Price
$13.37
 Compare with TRST
PRAA PRA Group, Inc.
NEUTRAL
Mkt Cap
$823M
P/E
-
ROE
-26.0%
Price
$21.09
 Compare with TRST
NMFC New Mountain...
BEARISH
Mkt Cap
$829M
P/E
51.4
ROE
1.3%
Price
$8.22
 Compare with TRST

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-10

TRST filed an 8-K on April 10, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-04-01

TRST filed a definitive proxy statement (DEF 14A) on April 1, 2026, providing shareholders with necessary information to vote on corporate matters.

10-K
10-K
2026-03-16

TrustCo Bank Corp NY filed its 10-K for the fiscal year ended December 31, 2025. The provided excerpts consist of the filing's table of contents and a standard cautionary note regarding forward-looking statements, but do not contain specific financial highlights or detailed risk factors.

8-K
8-K
2026-02-17
8-K
8-K
2026-01-29

TRST filed an 8-K on January 29, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-29

TRST filed an 8-K on January 29, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-21

TRST filed a Form 8-K on January 21, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-12
8-K
8-K
2025-12-19
8-K
8-K
2025-11-19
10-Q
10-Q
2025-11-07
8-K
8-K
2025-10-21
8-K
8-K
2025-10-10
8-K
8-K
2025-08-19
10-Q
10-Q
2025-08-08
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TRST from our newsroom.

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