TRSTNasdaqState Commercial BanksFiscal year ends December 31
TRUSTCO BANK CORP N Y
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$53.68−0.63 (-1.16%)
Close on Oct 19, 2026
- Market cap
- $933.28M
- P/E (TTM)
- 14.9
- Dividend yield
- 2.76%
Trustco Bank Corp N Y statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Market Cap | $914.05M | $679.86M |
| Enterprise Value | $325.79M | $408.94M |
| PE Ratio | 14.91 | 11.99 |
| PS Ratio | 4.64 | 3.59 |
| PB Ratio | 1.39 | 1.18 |
| P/TBV Ratio | 1.39 | 1.41 |
| P/FCF Ratio | 15.30 | 10.89 |
| P/OCF Ratio | 13.23 | 10.01 |
Enterprise value
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| EV / Sales | 1.65 | 2.76 |
| EV / FCF | 5.45 | 8.23 |
Income (trailing twelve months)
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Revenue | $197.02M | $170.85M |
| Pretax Income | $86.51M | $70.12M |
| Net Income | $65.07M | $54.33M |
| EPS (Diluted) | $3.60 | $2.91 |
Margins
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Pretax Margin | 43.9% | 36.5% |
| Profit Margin | 33.0% | 29.1% |
| FCF Margin | 30.3% | 33.2% |
Returns
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Return on Equity (ROE) | 9.65% | 10.6% |
| Return on Assets (ROA) | 1.01% | 1.12% |
Growth
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.2% | 11.8% |
| Net Income Growth (YoY) | 21.7% | 23.2% |
| EPS Growth (YoY) | 28.1% | 23.1% |
| FCF Growth (YoY) | 21.4% | 28.5% |
| Revenue Growth (3Y CAGR) | -1.96% | 5.82% |
| Revenue Growth (5Y CAGR) | 1.93% | 6.17% |
| EPS Growth (3Y CAGR) | -6.14% | 1.31% |
| EPS Growth (5Y CAGR) | 3.62% | 8.24% |
Balance sheet
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $696.64M | $205.54M |
| Total Debt | $108.38M | $177.19M |
| Net Cash (Debt) | $588.26M | $164.40M |
| Net Cash Per Share | $34.55 | $8.13 |
| Equity (Book Value) | $656.01M | $563.88M |
| Book Value Per Share | $38.53 | $28.47 |
| Tangible Book Value | $656.01M | $475.36M |
Financial position
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Debt / Equity | 0.17 | 0.20 |
| Debt / FCF | 1.81 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Operating Cash Flow | $69.08M | $61.52M |
| Capital Expenditures | -$9.33M | -$4.08M |
| Free Cash Flow | $59.75M | $52.15M |
| FCF Per Share | $3.51 | $3.05 |
Efficiency
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $240.57K | $353.78K |
| Profits Per Employee | $79.45K | $107.28K |
| Employee Count | 819 | 489 |
Dividends and yields
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Earnings Yield | 7.12% | 8.13% |
| FCF Yield | 6.54% | 8.91% |
| Dividend Yield | 2.76% | 2.48% |
| Buyback Yield | 8.89% | 1.55% |
| Shareholder Yield | 11.6% | 3.13% |
| Dividend Per Share | $1.48 | $0.93 |
| Dividend Growth (YoY) | 2.78% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 42.2% | 29.3% |
| FCF Payout Ratio | 45.9% | 26.0% |
Shares
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Shares Outstanding | 17,027,700 | 18,839,100 |
| Shares Change (YoY) | -4.91% | 0.40% |
| Shares Change (QoQ) | -2.74% | 0.00% |
| Float | 15,455,900 | 17,061,900 |
| Shares Held by Insiders | 9.23% | 5.89% |
| Shares Held by Institutions | 77.8% | 61.9% |
Taxes
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Income Tax | $21.43M | $14.50M |
| Effective Tax Rate | 24.8% | 21.1% |
Scores
| Measure | Trustco Bank Corp N Y | Industry median |
|---|---|---|
| Graham Number | $55.86 | $45.31 |
| Graham Upside | 4.07% | 21.9% |
| Altman Z-Score | 0.23 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Trustco Bank Corp N Y's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.