(TRST) TrustCo Bank NY - Ratings and Ratios
Deposits, Loans, Mortgages, Investment, Trust
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.57% |
| Yield on Cost 5y | 5.24% |
| Yield CAGR 5y | 7.70% |
| Payout Consistency | 94.8% |
| Payout Ratio | 48.8% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 28.2% |
| Value at Risk 5%th | 40.1% |
| Relative Tail Risk | -13.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.05 |
| Alpha | 17.45 |
| CAGR/Max DD | 0.23 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.658 |
| Beta | 0.687 |
| Beta Downside | 0.662 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.08% |
| Mean DD | 15.12% |
| Median DD | 16.02% |
Description: TRST TrustCo Bank NY December 26, 2025
TrustCo Bank Corp NY (NASDAQ: TRST) is the holding company for Trustco Bank, a community-focused financial institution that offers personal and business banking, deposit taking, loan origination, and investment services.
Beyond traditional banking, the firm operates a real-estate investment trust (REIT) that purchases and manages residential mortgage assets and mortgage-backed securities, while also providing estate-execution, trust, wealth-management, and custodial services for employee benefit and pension plans.
The bank’s branch network spans 17 counties in New York, 18 counties in Florida, plus locations in Vermont, Massachusetts, and New Jersey, complemented by a statewide ATM footprint.
As of the latest quarter (Q4 2023), TrustCo reported a net interest margin of approximately 3.1%, a loan portfolio of $5.2 billion, and total deposits of $7.0 billion, yielding a return on equity near 8.5%-metrics that sit modestly above the regional-bank average but remain sensitive to interest-rate shifts.
The regional-bank sector is currently driven by the Federal Reserve’s policy cycle: higher policy rates boost net interest income but also raise funding costs and credit-risk exposure, especially in markets with elevated housing price volatility such as Florida.
For a deeper, data-rich analysis of TRST’s valuation dynamics, you may find ValueRay’s platform useful.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (56.9m TTM) > 0 and > 6% of Revenue (6% = 16.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.25pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1928 % (prev -1894 %; Δ -33.65pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 55.5m <= Net Income 56.9m (YES >=105%, WARN >=100%) |
| Net Debt (93.9m) to EBITDA (86.3m) ratio: 1.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (19.0m) change vs 12m ago -0.22% (target <= -2.0% for YES) |
| Gross Margin 66.19% (prev 64.88%; Δ 1.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.40% (prev 4.25%; Δ 0.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.82 (EBITDA TTM 86.3m / Interest Expense TTM 91.1m) >= 6 (WARN >= 3) |
Altman Z'' -5.00
| (A) -0.83 = (Total Current Assets 294.4m - Total Current Liabilities 5.58b) / Total Assets 6.35b |
| (B) 0.07 = Retained Earnings (Balance) 471.3m / Total Assets 6.35b |
| (C) 0.01 = EBIT TTM 74.5m / Avg Total Assets 6.23b |
| (D) 0.13 = Book Value of Equity 754.4m / Total Liabilities 5.66b |
| Total Rating: -5.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 64.23
| 1. Piotroski 4.50pt |
| 2. FCF Yield 7.59% |
| 3. FCF Margin 15.92% |
| 4. Debt/Equity 0.20 |
| 5. Debt/Ebitda 1.09 |
| 6. ROIC - WACC (= -1.92)% |
| 7. RoE 8.27% |
| 8. Rev. Trend 94.71% |
| 9. EPS Trend -51.17% |
What is the price of TRST shares?
Over the past week, the price has changed by -0.79%, over one month by -3.13%, over three months by +12.86% and over the past year by +33.63%.
Is TRST a buy, sell or hold?
What are the forecasts/targets for the TRST price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26 | -37.2% |
| Analysts Target Price | 26 | -37.2% |
| ValueRay Target Price | 46.4 | 11.9% |
TRST Fundamental Data Overview January 05, 2026
P/E Trailing = 13.2259
P/S = 4.2883
P/B = 1.099
P/EG = 3.73
Beta = 0.662
Revenue TTM = 274.1m USD
EBIT TTM = 74.5m USD
EBITDA TTM = 86.3m USD
Long Term Debt = 38.2m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 97.7m USD (from shortTermDebt, last quarter)
Debt = 135.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 93.9m USD (from netDebt column, last quarter)
Enterprise Value = 574.9m USD (733.5m + Debt 135.9m - CCE 294.4m)
Interest Coverage Ratio = 0.82 (Ebit TTM 74.5m / Interest Expense TTM 91.1m)
FCF Yield = 7.59% (FCF TTM 43.6m / Enterprise Value 574.9m)
FCF Margin = 15.92% (FCF TTM 43.6m / Revenue TTM 274.1m)
Net Margin = 20.74% (Net Income TTM 56.9m / Revenue TTM 274.1m)
Gross Margin = 66.19% ((Revenue TTM 274.1m - Cost of Revenue TTM 92.7m) / Revenue TTM)
Gross Margin QoQ = 67.25% (prev 66.28%)
Tobins Q-Ratio = 0.09 (Enterprise Value 574.9m / Total Assets 6.35b)
Interest Expense / Debt = 16.86% (Interest Expense 22.9m / Debt 135.9m)
Taxrate = 23.73% (5.06m / 21.3m)
NOPAT = 56.8m (EBIT 74.5m * (1 - 23.73%))
Current Ratio = 0.05 (Total Current Assets 294.4m / Total Current Liabilities 5.58b)
Debt / Equity = 0.20 (Debt 135.9m / totalStockholderEquity, last quarter 692.0m)
Debt / EBITDA = 1.09 (Net Debt 93.9m / EBITDA 86.3m)
Debt / FCF = 2.15 (Net Debt 93.9m / FCF TTM 43.6m)
Total Stockholder Equity = 687.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.90% (Net Income 56.9m / Total Assets 6.35b)
RoE = 8.27% (Net Income TTM 56.9m / Total Stockholder Equity 687.2m)
RoCE = 10.27% (EBIT 74.5m / Capital Employed (Equity 687.2m + L.T.Debt 38.2m))
RoIC = 7.30% (NOPAT 56.8m / Invested Capital 778.3m)
WACC = 9.22% (E(733.5m)/V(869.4m) * Re(8.55%) + D(135.9m)/V(869.4m) * Rd(16.86%) * (1-Tc(0.24)))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.08%
[DCF Debug] Terminal Value 75.23% ; FCFE base≈49.1m ; Y1≈45.5m ; Y5≈41.5m
Fair Price DCF = 36.90 (DCF Value 679.9m / Shares Outstanding 18.4m; 5y FCF grow -9.21% → 3.0% )
EPS Correlation: -51.17 | EPS CAGR: 0.46% | SUE: 1.44 | # QB: 3
Revenue Correlation: 94.71 | Revenue CAGR: 11.96% | SUE: 4.0 | # QB: 9
Additional Sources for TRST Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle