TrustCo Bank Corp NY (TRST)

Featured in Small-Cap Stocks

TrustCo Bank Corp NY is a financial services holding company listed on NASDAQ under the ticker TRST. Through Trustco Bank, it provides personal and business banking services to individuals and businesses, including deposit-taking, lending, and investment-related activities. The company also has a real estate investment trust function focused on acquiring, holding, and managing mortgage-related assets such as residential mortgage loans and mortgage-backed securities. Beyond banking, TrustCo offers estate and trust administration, wealth management, estate planning, custodial services, and trustee services for employee benefit plans and corporate pension and profit-sharing trusts. Its branch and ATM network spans multiple counties in New York, Florida, Vermont, Massachusetts, and New Jersey. Founded in 1902, the company is headquartered in Glenville, New York.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-TRST
$53.24
-3.5% Downside
Fair
Good
1.52
2.7%
July 21, 2026
15.3x
1.4x
5.1x
968.8 M
13.3%
96.2%
-1.4
43.6%
93.7%
Valuation • Fair Value

TrustCo Bank Corp NY (NASDAQ-TRST) Fair Value by Valuation Model

Compare the primary fair value estimate for TrustCo Bank Corp NY (NASDAQ-TRST) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$53.24

Estimated downside of 3.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$40.10

Classic Ben Graham valuation formula reference.

DDM Fair Value

$80.48

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$44.16

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for TrustCo Bank Corp NY (NASDAQ-TRST) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for TrustCo Bank Corp NY (NASDAQ-TRST)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

189.9 M

Current operating scale indicator.

Revenue Forecast

192.8 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review TrustCo Bank Corp NY (NASDAQ-TRST) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for TrustCo Bank Corp NY (NASDAQ-TRST)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.4

Lower score that deserves closer risk review.

FCF / Net Income

93.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for TrustCo Bank Corp NY (NASDAQ-TRST). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for TrustCo Bank Corp NY (NASDAQ-TRST)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 21, 2026

Days to Earnings

0

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.7%

Income yield reference.

Upcoming Dividend

1.52

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

43.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for TrustCo Bank Corp NY (NASDAQ-TRST), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

TrustCo Bank Corp NY (NASDAQ-TRST) Stock Forecast & Technical Outlook

Review TrustCo Bank Corp NY (NASDAQ-TRST) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for TrustCo Bank Corp NY (NASDAQ-TRST) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for TrustCo Bank Corp NY (NASDAQ-TRST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for TrustCo Bank Corp NY (NASDAQ-TRST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for TrustCo Bank Corp NY (NASDAQ-TRST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for TrustCo Bank Corp NY (NASDAQ-TRST) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for TrustCo Bank Corp NY (NASDAQ-TRST)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for TrustCo Bank Corp NY (NASDAQ-TRST) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

TrustCo Bank Corp NY (NASDAQ-TRST) Stock FAQ

Quick answers about TrustCo Bank Corp NY (NASDAQ-TRST) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$53.24
Estimated downside 3.5%
Valuation Rating
Overvalued
Estimated downside of 3.5%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for TrustCo Bank Corp NY (NASDAQ-TRST) is $53.24. This implies an estimated downside of 3.5% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 3.5% versus the current market price.

An analyst price target for TrustCo Bank Corp NY (NASDAQ-TRST) is not currently available in the latest data file.

The current financial health read for TrustCo Bank Corp NY (NASDAQ-TRST) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for TrustCo Bank Corp NY (NASDAQ-TRST) is July 21, 2026.

Based on the current data, dividend yield is 2.7%, upcoming dividend amount is 1.52.

The current P/E ratio listed for TrustCo Bank Corp NY (NASDAQ-TRST) is 15.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for TrustCo Bank Corp NY is 968.8 M.

The ticker symbol for TrustCo Bank Corp NY is NASDAQ-TRST, and the stock is listed on NASDAQ.

TrustCo Bank Corp NY (NASDAQ-TRST) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for TrustCo Bank Corp NY is 13.3%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for TrustCo Bank Corp NY is 96.2%. Free float helps investors understand how much of the share base is available for public trading.