TrustCo Bank Corp N Y (TRST) stock
TRSTNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 13/3035% above fair value
$57.66−0.26 (-0.45%)
Close on Nov 12, 2026Market cap $981.82MP/E 15.3Yield 2.57%
TrustCo Bank Corp N Y statistics
94 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 4, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.56
- 1.52
- P/OCF Ratio
- 12.78
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 2.40
- 2.95
- EV / FCF
- 6.99
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -7.07%
- 0.35%
- Shares Change (QoQ)
- -2.94%
- 0.00%
- Float
- 15M
- 17M
- Shares Held by Insiders
- 9.23%
- 6.05%
- Shares Held by Institutions
- 77.8%
- 61.3%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- -2.40%
- -4.13%
- Short % of Float
- 7.96%
- 3.58%
- Short % of Shares Outstanding
- 7.23%
- 3.18%
- Days to Cover
- 11.32
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $59.96
- –
- 52-Week Low
- $38.60
- –
- 20-Day Moving Average
- $56.49
- –
- 50-Day Moving Average
- $56.19
- –
- 200-Day Moving Average
- $51.58
- –
- Average True Range (14)
- $1.30
- –
- Price Change (1 Week)
- 1.98%
- 0.47%
- Price Change (1 Month)
- 7.04%
- 4.83%
- Price Change (3 Months)
- 0.54%
- -3.58%
- Price Change (6 Months)
- 17.6%
- 10.8%
- Price Change (YTD)
- 39.5%
- 19.6%
- Price Change (1 Year)
- 43.8%
- 25.4%
- Price Change (3 Years)
- 118.1%
- 76.7%
- Price Change (5 Years)
- 69.1%
- 26.5%
- Price Change (10 Years)
- 38.9%
- 67.0%
- Average Volume (10 Days)
- 114,678
- –
- Average Volume (20 Days)
- 113,499
- –
- Average Volume (90 Days)
- 124,976
- –
- Relative Volume
- 0.70
- 0.66
- Relative Strength Index (14)
- 57.1
- 52.6
- Volatility (1 Year)
- 23.0%
- 24.4%
- Beta (5 Years)
- 0.56
- 0.63
MarginsIndustry
- Pretax Margin
- 43.9%
- 36.9%
- FCF Margin
- 34.3%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.99%
- 10.8%
- Return on Assets (ROA)
- 1.03%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.16
- 0.21
- Debt / FCF
- 1.42
- 1.42
GrowthIndustry
- Revenue Growth (YoY)
- 9.84%
- 11.8%
- Net Income Growth (YoY)
- 16.3%
- 22.7%
- EPS Growth (YoY)
- 25.8%
- 21.6%
- FCF Growth (YoY)
- 58.2%
- 27.5%
- 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%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $245.51K
- $359.04K
- Profits Per Employee
- $80.75K
- $110.51K
- Employee Count
- 819
- 492
- WACC
- 7.54%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $88.18M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $499.21M
- $166.15M
- Net Cash Per Share
- $29.32
- $8.19
- Equity (Book Value)
- $631.33M
- $570.13M
- Book Value Per Share
- $37.08
- $28.22
- Tangible Book Value
- $631.33M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$7.77M
- -$4.27M
- FCF Per Share
- $4.05
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 6.74%
- 8.32%
- FCF Yield
- 7.03%
- 9.23%
- Dividend Yield
- 2.57%
- 2.44%
- Buyback Yield
- 10.1%
- 1.80%
- Shareholder Yield
- 12.6%
- 3.22%
- Dividend Per Share
- $1.48
- $0.92
- Dividend Growth (YoY)
- 2.78%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 41.1%
- 29.0%
- FCF Payout Ratio
- 39.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $22.05M
- $16.14M
- Effective Tax Rate
- 25.0%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $56.01
- $45.31
- Graham Upside
- -2.87%
- 18.8%
- Altman Z-Score
- 0.24
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | TRST | S&P 500 | Difference | TRST per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.3% | -2.7% | +9.0 pts | ||
| 3 months | +2.7% | -1.7% | +4.4 pts | ||
| Year to date | +42.7% | +11.9% | +30.8 pts | ||
| 1 year | +49.5% | +12.0% | +37.5 pts | ||
| 3 years | +146.3% | +78.2% | +68.1 pts | +35.0% | +21.2% |
| 5 years | +109.0% | +73.2% | +35.8 pts | +15.9% | +11.6% |
| 10 years | +105.1% | +309.6% | −204.6 pts | +7.4% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M TRST shares were sold short on Oct 30, 2026, down 2.4% from the previous report, or 7.96% of the shares available to trade. At recent volumes it would take 11.3 days to buy them back. Over the last 20 sessions, 62.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,230,714 | -2.4% | 108,707 | 11.3 |
| Oct 15, 2026 | 1,260,975 | +3.2% | 95,957 | 13.1 |
| Sep 30, 2026 | 1,222,398 | +6.9% | 155,533 | 7.9 |
| Sep 15, 2026 | 1,143,637 | +27.0% | 148,941 | 7.7 |
| Aug 31, 2026 | 900,759 | +6.3% | 138,738 | 6.5 |
| Aug 14, 2026 | 847,550 | +6.6% | 118,172 | 7.2 |
| Jul 31, 2026 | 795,185 | -3.0% | 124,966 | 6.4 |
| Jul 15, 2026 | 819,765 | +6.0% | 88,398 | 9.3 |
| Jun 30, 2026 | 773,047 | +6.2% | 158,851 | 4.9 |
| Jun 15, 2026 | 727,976 | +6.7% | 138,421 | 5.3 |
| May 29, 2026 | 682,031 | -5.8% | 97,713 | 7.0 |
| May 15, 2026 | 723,943 | +0.5% | 83,589 | 8.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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