TrustCo Bank Corp NY
General ticker "TRST" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $803.5M (TTM average)
TrustCo Bank Corp NY follows the US Stock Market performance with the rate: 54.6%.
Estimated limits based on current volatility of 1.1%: low 53.34$, high 54.53$
Factors to consider:
- Earnings expected soon, date: 2026-10-20 amc
- Company pays dividends (quarterly): last record date 2026-09-04, amount 0.40$ (Y2.95%)
- Total employees count: 743 (-6.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate risk, Borrower repayment ability declines, Real estate market weakness, Economic downturns and volatility, Commercial loan concentration
- Current price 25.2% above estimated high
- Earnings for 18 months up through Q2 (+1 year) exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [32.06$, 42.42$]
- 2025-12-31 to 2026-12-31 estimated range: [32.53$, 43.39$]
Financial Metrics affecting the TRST estimates:
- Positive: with PPE of 13.1 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 24.34
- Positive: 8.77 < Operating cash flow per share per price, % of 9.32
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.78
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.54
- Negative: Investing cash flow per share per price, % of -0.59 <= -0.14
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: 5.07 < Industry earnings per price (median), % of 6.45
- Negative: Interest expense per share per price, % of 14.32 > 10.35
Short-term TRST quotes
Long-term TRST plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $205.86MM | $244.52MM | $263.15MM |
| Operating Expenses | $106.44MM | $166.91MM | $199.10MM |
| Operating Income | $99.42MM | $77.61MM | $64.05MM |
| Interest Expense | $6.47MM | $54.36MM | $91.38MM |
| Income(Loss) | $99.42MM | $77.61MM | $64.05MM |
| Taxes | $24.18MM | $18.97MM | $15.21MM |
| Net Income(Loss)* | $75.23MM | $58.65MM | $48.83MM |
| Stockholders Equity | $599.99MM | $645.28MM | $676.34MM |
| Assets | $6,000.05MM | $6,168.19MM | $6,238.74MM |
| Operating Cash Flow | $78.63MM | $64.13MM | $59.44MM |
| Capital expenditure | $3.79MM | $5.67MM | $4.88MM |
| Investing Cash Flow | $-416.63MM | $-233.59MM | $-3.75MM |
| Financing Cash Flow | $-230.87MM | $96.87MM | $8.12MM |
| Earnings Per Share** | $3.93 | $3.08 | $2.57 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.