TrustCo Bank Corp NY (TRST)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 57.20 $ — 98% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
3/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 4.9%
- Exp. sales growth 3Y > 5% –
- EBIT growth 10Y > 5% 1.9%
- Exp. EBIT growth 3Y > 5% –
- Net debt < 4x EBIT -1.7x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 35.6%
- Return on equity > 15% 8.9%
- ROCE > 15% 10.6%
- Expected return > 10% –
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 10.6% failed
- More than 10% revenue growth is expected for the coming year no data
- Share count grows by less than 3% a year -1.4% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 22.2% failed
- Gross margin at 40% or higher and without meaningful erosion 67.1% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 137 m net cash passed
- Operating cash flow covers the profits of the last three years 13 m passed
- Return on capital at 15% or higher, or up versus two years ago 10.6% failed
- Insiders hold at least 10% or are net buyers 3.3% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 54.5% below the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.59 | 14.50 | 66 | 5.10 | 17.00 | 14 | 12 |
| 2025: Q1 | 0.75 | 17.60 | 68 | 5.00 | 21.10 | 1 | -3 |
| 2025: Q2 | 0.79 | 20.10 | 69 | 4.70 | 21.70 | 27 | 25 |
| 2025: Q3 | 0.86 | 26.60 | 71 | 7.20 | 23.00 | 13 | 10 |
| 2025: Q4 | 0.85 | 43.30 | 71 | 6.30 | 22.10 | 17 | 14 |
| 2026: Q1 | 0.91 | 21.50 | 71 | 4.80 | 22.90 | 12 | 10 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 180 | 68 | 43 | 2.23 | 55 | 433 | 4,869 |
| 2017 | 187 | 77 | 43 | 2.24 | 62 | 458 | 4,908 |
| 2018 | 199 | 80 | 61 | 3.18 | 68 | 490 | 4,959 |
| 2019 | 211 | 77 | 58 | 2.98 | 64 | 538 | 5,221 |
| 2020 | 195 | 69 | 52 | 2.72 | 62 | 568 | 5,902 |
| 2021 | 186 | 82 | 62 | 3.19 | 55 | 601 | 6,197 |
| 2022 | 206 | 99 | 75 | 3.93 | 79 | 600 | 6,000 |
| 2023 | 245 | 78 | 59 | 3.08 | 64 | 645 | 6,168 |
| 2024 | 263 | 64 | 49 | 2.57 | 59 | 676 | 6,239 |
| 2025 | 278 | 81 | 61 | 3.34 | 58 | 687 | 6,441 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
TrustCo Bank Corp NY ist die Holdinggesellschaft der Trustco Bank, die Privat- und Geschäftskunden Bankdienstleistungen anbietet. Es nimmt Einlagen an und bietet Kredite und Anlagen.
| Employees | 742 |
|---|---|
| Headquarters | Glenville, NY |
| Address | 5 Sarnowski Drive, 12302 Glenville, United States |
| Phone | 518 377 3311 |
| Website | trustcobank.com |
| IPO Date | 26. Mar 1990 |
| ISIN | US8983492047 |
| Stock Split | 1:5 on 05/28/2021 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Robert Joseph McCormick | President, CEO & Chairman of the Board | 1964 |
| Michael M. Ozimek | Executive VP & CFO | 1974 |
| Robert Michael Leonard | Executive VP & COO | 1963 |
| Michael James Hall Esq. | General Counsel & Corporate Secretary | 1965 |
| Kevin M. Curley | Executive VP & Chief Banking Officer | 1966 |
| Carly Batista | Senior VP & COO | – |
| Sean P. Dougherty | VP & Chief Technology Officer | – |
| Michael J. Ewell | Senior VP & Chief Risk Officer | – |
| Patrick J. LaPorta Esq. | Senior VP & Chief Trust Officer | – |
| Lauren A. McCormick | VP, Treasurer & Assistant Corporate Secretary | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.