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Company Analysis

TrustCo Bank Corp NY TRST

A comprehensive view of key metrics, scores, and financial health for TrustCo Bank Corp NY

Overview of TrustCo Bank Corp NY

TRST NMS
Financial Services Banks - Regional Small Cap
TrustCo Bank Corp NY (TRST), is a Small Cap company, in the Banks - Regional industry, last closed at $43.95, about 11.1% overvalued vs fair value, +45.0% 1Y return, ranked 469/1004 in sector.
$43.95
1.22%
As of March 13, 2026
Previous close • Vol 90d: 26.3%
52-Week Range
Market Cap
$807.50M
Enterprise Value
$949.77M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.trustcobank.com
HQ Glenville, NY
Employees 743
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$22
$39
$73
Current: $43.95 -11% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$243.3M
7.6%%
Interest Expense
$90.4M
Net Interest Income
$151.9M
-11.6%%
Total Revenue
$278.3M
62%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$27.8M
56.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating TrustCo Bank Corp NY's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
55
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TRST's balance between Growth (33.3%), Profitability (39.0%), and Safety (27.7%). Growth 33% Safety 28% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
Rev Growth YoY 62.0% 56p Asset Growth YoY 3.2% 47p Revenue CAGR 3Y 11.8% 27p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
52
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for TrustCo Bank Corp NY.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$39.09
- - -
-11.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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