TRST

Trustco Bank Corp

56.74

Oct 30 • 9:14 AM ET -0.13 (-0.23%)

Financial Banks - Regional USA Small NASD

Peers: AROW NBTB FISI TMP CHMG CBU KRNY WASH NWBI CZNC

| Held by: IJR AVUV VTI IWM DFAT DFSV KRE VXF IWN SPSM

Index	RUT
Market Cap	937.80M
Enterprise Value	-
Income	66.13M
Sales	289.32M
Book/sh	38.20
Cash/sh	-
Dividend Est.	-
Dividend TTM	1.54 (2.71%)
Dividend Ex-Date	Sep 04, 2026
Dividend Gr. 3/5Y	1.63% 1.71%
Payout	45.49%
Employees	819
IPO	Apr 20, 1983

P/E	15.11
Forward P/E	-
PEG	-
P/S	3.24
P/B	1.49
P/C	-
P/FCF	15.70
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.25
Debt/Eq	0.21
LT Debt/Eq	0.06
Option/Short	Yes / Yes

EPS (ttm)	3.76
EPS next Y	-
EPS next Q	-
EPS this Y	-
EPS next Y	-
EPS next 5Y	-
EPS past 3/5Y	-6.12% 3.67%
Sales past 3/5Y	10.46% 7.23%
EPS Y/Y TTM	25.67%
Sales Y/Y TTM	5.93%
EPS Q/Q	17.97%
Sales Q/Q	5.26%
Earnings	Oct 21 AMC
EPS/Sales Surpr.	- -

Insider Own	3.65%
Insider Trans	0.12%
Inst Own	80.27%
Inst Trans	-2.06%
ROA	1.03%
ROE	9.99%
ROIC	9.92%
Gross Margin	-
Oper. Margin	30.48%
Profit Margin	22.86%
SMA20	3.11%
SMA50	1.19%
SMA200	11.39%
Trades

Shs Outstand	16.53M
Shs Float	15.93M
Short Float	7.92%
Short Ratio	9.81
Short Interest	1.26M
52W High	59.28 -4.28%
52W Low	36.93 53.64%
Volatility	1.90% 2.18%
ATR (14)	1.25
RSI (14)	59.44
Beta	0.66
Rel Volume	2.25
Avg Volume	128.60K
Volume	14,460

Perf Week	1.81%
Perf Month	3.63%
Perf Quarter	-0.86%
Perf Half Y	18.06%
Perf YTD	37.29%
Perf Year	50.74%
Perf 3Y	123.65%
Perf 5Y	69.07%
Perf 10Y	62.11%
Recom	5.00
Target Price	26.00
Prev Close	56.87
Price	56.74
Change %	-0.23%

Consensus

Strong Sell

Avg. Price Target

$26.00

Implied Upside

-54.2%

Analysts4incl. previous ratings

Rating Distribution0 Buy · 3 Hold · 1 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jan 25, 2023	Downgrade	PPiper Sandler	Neutral → Underweight	$39 → $36	-36.6%
Jan 25, 2021	Downgrade	PPiper Sandler	Overweight → Neutral	$8	-85.9%
Apr 23, 2020	Upgrade	PPiper Sandler	Neutral → Overweight	$5.50 → $6.50	-88.5%
Oct 07, 2015	Upgrade	KKeefe Bruyette	Underperform → Mkt Perform	$6	-89.4%
Jul 23, 2015	Downgrade	KKeefe Bruyette	Mkt Perform → Underperform
Jul 25, 2011	Initiated	SStifel Nicolaus	Hold
Nov 11, 2009	Upgrade	SSterne Agee	Sell → Neutral
Dec 18, 2008	Initiated	SSterne Agee	Sell	$7	-87.7%

Oct-22-26 06:36PM	TrustCo's 18.6% EPS Jump Leans On Buybacks As Net Income Growth Slows To 6.5% (Earnings Whispers)
Oct-21-26 04:08PM	TrustCo: Q3 Earnings Snapshot (Associated Press)
04:00PM	TrustCo's Positive Momentum Yields 6.5% Net Income Increase; $17.3 Million for Third Quarter of 2026 (GlobeNewswire)
Oct-13-26 04:00PM	TrustCo to Release Third Quarter 2026 Results on October 21, 2026; Conference Call on October 22, 2026 (GlobeNewswire)
Sep-16-26 04:00PM	TrustCo Announces Addition of Patricia Fusco and Bryan L. Guentner to Board of Directors (GlobeNewswire)
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Aug-18-26 04:00PM	TrustCo Increases Dividend 5.3%: Long-Term Commitment to Payouts Supported by Solid Earnings and Strong Capital Position More Great News For Our Shareholders (GlobeNewswire)
Jul-22-26 05:01PM	Trustco Bank Corp N Y (TRST) Q2 2026 Earnings Call Highlights: Strong Net Income Growth Amid ... (GuruFocus.com)
Jul-21-26 04:05PM	TrustCo: Q2 Earnings Snapshot (Associated Press)
04:00PM	TrustCo Reports 12.8% Increase in Net Income for the Second Quarter of 2026 to $17 Million (GlobeNewswire)
Jul-10-26 04:00PM	TrustCo to Release Second Quarter 2026 Results on July 21, 2026; Conference Call on July 22, 2026 (GlobeNewswire)
May-20-26 04:00PM	TrustCo Announces Declaration of Quarterly Dividend of $0.38 Per Share; Notes Strong Shareholder Support at 2026 Annual Meeting (GlobeNewswire)
Apr-23-26 03:03AM	Trustco Bank Corp N Y (TRST) Q1 2026 Earnings Call Highlights: Strong Financial Performance ... (GuruFocus.com)
Apr-21-26 04:08PM	TrustCo: Q1 Earnings Snapshot (Associated Press)
04:00PM	TrustCo Reports First Quarter 2026 Net Income of $16.3 Million; Notes Loan Portfolio Repricing (GlobeNewswire)
Apr-10-26 04:00PM	TrustCo to Release First Quarter 2026 Results on April 21, 2026; Conference Call on April 22, 2026 (GlobeNewswire)
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Feb-17-26 04:00PM	Delivering Shareholder Value, TrustCo Declares Dividend; Quarterly Payment of $0.38 Per Share (GlobeNewswire)
Feb-09-26 09:00AM	HOLDCO ASSET MANAGEMENT TO PRESENT AT UBS FINANCIAL SERVICES CONFERENCE IN KEY BISCAYNE, FLORIDA; RELEASES PRESENTATION (PR Newswire)
Jan-22-26 04:01PM	Trustco Bank Corp N Y (TRST) Q4 2025 Earnings Call Highlights: Strong Net Income Growth and ... (GuruFocus.com) -5.86%
11:10AM	TrustCo Bank Corp NY Q4 Earnings Call Highlights (MarketBeat)
Jan-21-26 04:28PM	TrustCo: Q4 Earnings Snapshot (Associated Press Finance) +6.54%
04:00PM	TrustCo Reports 2025 Net Income of $61.1 Million for the Year; Posts Total Shareholder Return Three Times That Of Peers (GlobeNewswire)
Jan-12-26 04:00PM	TrustCo to Release Fourth Quarter 2025 Results on January 21, 2026; Conference Call on January 22, 2026 (GlobeNewswire)
Dec-19-25 04:00PM	TrustCo Bank Corp NY Announces Two-Million Share Stock Repurchase Program (GlobeNewswire)
Nov-19-25 01:21PM	TrustCo Reinforces Commitment to Shareholders with Quarterly Dividend; Highlighting Over 120 Years of Uninterrupted Payments (GlobeNewswire)
Oct-22-25 03:03PM	Trustco Bank Corp N Y (TRST) Q3 2025 Earnings Call Highlights: Strong Net Income Growth and ... (GuruFocus.com)
Oct-21-25 05:20PM	TrustCo: Q3 Earnings Snapshot (Associated Press Finance)
04:00PM	TrustCo Announces Net Income Up 26.3%; Net Interest Income up 11.5%; The Product of Strategic Vision and Effective Tactics (GlobeNewswire)
Oct-10-25 04:00PM	TrustCo to Release Third Quarter 2025 Results on October 21, 2025; Conference Call on October 22, 2025 (GlobeNewswire)
Aug-19-25 04:00PM	Dividend Increase of 5.6%: Trustco Shareholders Benefit From Corporate Success As Company Announces Increased Payout (GlobeNewswire)
Jul-23-25 03:06AM	Trustco Bank Corp N Y (TRST) Q2 2025 Earnings Call Highlights: Strong Net Income Growth and ... (GuruFocus.com)
04:06PM	Loading…
Jul-21-25 04:06PM	TrustCo: Q2 Earnings Snapshot (Associated Press Finance)
04:00PM	Skillful Application of Fundamental Principles Yields Standout Results: TrustCo Announces Net Income Up 19.8%; Net Interest Income up 10.5% (GlobeNewswire)
Jul-10-25 04:00PM	TrustCo to Release Second Quarter 2025 Results on July 21, 2025; Conference Call on July 22, 2025 (GlobeNewswire)
May-21-25 04:00PM	Strong First Quarter Supports TrustCo's Declaration of Dividend; Continues Reliable Payout (GlobeNewswire)
Apr-23-25 03:03AM	Trustco Bank Corp N Y (TRST) Q1 2025 Earnings Call Highlights: Strong Growth in Earnings and ... (GuruFocus.com)
Apr-22-25 11:44AM	TrustCo Bank Corp NY (TRST) Q1 2025 Earnings Call Transcript (Seeking Alpha)
Apr-21-25 04:04PM	TrustCo: Q1 Earnings Snapshot (Associated Press Finance)
04:00PM	TrustCo Reports First Quarter 2025 Net Income of $14.3 Million From Repricing Loan Portfolio and Well-Managed Cost of Funds (GlobeNewswire)
Apr-10-25 04:00PM	TrustCo to Release First Quarter 2025 Results on April 21, 2025; Conference Call on April 22, 2025 (GlobeNewswire)
Mar-18-25 04:00PM	TrustCo Bank Corp NY Announces Million Share Stock Repurchase Plan (GlobeNewswire)
Feb-19-25 05:32PM	UPDATE: TrustCo Announces First Dividend of 2025; Continues Annualized Payout of $1.44 per share (GlobeNewswire)
01:13PM	TrustCo Announces First Dividend of 2025; Continues Annualized Payout of $1.44 per share (GlobeNewswire)
Jan-23-25 02:02AM	Trustco Bank Corp N Y (TRST) Q4 2024 Earnings Call Highlights: Strong Financial Performance and ... (GuruFocus.com)
Jan-21-25 04:13PM	TrustCo: Q4 Earnings Snapshot (Associated Press Finance)
04:00PM	Trustco Caps Year of Efficiency, Strength, and Value - Reports Fourth Quarter 2024 Net Income of $11.3 Million; $48.8 Million for the Year (GlobeNewswire)
07:07AM	Trustco Bank Corp N Y (TRST) Q4 2024 Earnings Report Preview: What To Look For (GuruFocus.com)
Jan-20-25 07:04AM	Trustco Bank Corp N Y (TRST) Q4 2024 Earnings Report Preview: What To Look For (GuruFocus.com)
Jan-10-25 04:00PM	TrustCo to Release Fourth Quarter 2024 Results on January 21, 2025; Conference Call on January 22, 2025 (GlobeNewswire)
Dec-10-24 10:05AM	TrustCo Bank Corp NY: A Standout No Matter the Economic Environment (GlobeNewswire)
Nov-19-24 04:00PM	TrustCo Continues Uninterrupted Century-Long Streak of Dividend Payments Declares $0.36 Per Share (GlobeNewswire)
Oct-23-24 03:04AM	Trustco Bank Corp N Y (TRST) Q3 2024 Earnings Call Highlights: Record Loan Growth and Improved ... (GuruFocus.com)
Oct-21-24 04:07PM	TrustCo: Q3 Earnings Snapshot (Associated Press Finance)
04:00PM	Trustco Reports Third Quarter 2024 Net Income of $12.9 Million; Skillful Application of Strong Fundamentals Produce Solid Results (GlobeNewswire)
09:04AM	Trustco Bank Corp N Y (TRST) Q3 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Oct-18-24 09:02AM	What To Expect From Trustco Bank Corp N Y (TRST) Q3 2024 Earnings (GuruFocus.com)
Oct-10-24 04:00PM	TrustCo to Release Third Quarter 2024 Results on October 21, 2024; Conference Call on October 22, 2024 (GlobeNewswire)
Aug-20-24 04:00PM	Rendering Speculation Unnecessary, TrustCo Delivers Again With a Quarterly Dividend of $0.36 Per Share (GlobeNewswire)
Jul-24-24 02:01AM	Q2 2024 TrustCo Bank Corp NY Earnings Call (Thomson Reuters StreetEvents)
Jul-22-24 05:10PM	TrustCo Bank (TRST) Q2 Earnings and Revenues Beat Estimates (Zacks) +5.12%
04:09PM	TrustCo: Q2 Earnings Snapshot (Associated Press Finance)
04:00PM	TrustCo Delivers Once Again With Second Quarter Results Net Interest Margin Up 3.7% on Loan Growth of 3.8% (GlobeNewswire)
Jul-16-24 02:38PM	Trustco Bank Announces Management Changes Leonard, Curley, and Others Assume New Roles (GlobeNewswire)
Jul-10-24 04:00PM	TrustCo to Release Second Quarter 2024 Results on July 22, 2024; Conference Call on July 23, 2024 (GlobeNewswire)
May-21-24 04:00PM	With Steadfast Reliability; TrustCo Reports Quarterly Dividend of $0.36 per Share (GlobeNewswire)
Apr-24-24 10:34AM	TrustCo Bank Corp NY (NASDAQ:TRST) Q1 2024 Earnings Call Transcript (Insider Monkey)
03:04AM	Trustco Bank Corp N Y (TRST) Q1 2024 Earnings Call Transcript Highlights: Key Financial Metrics ... (GuruFocus.com)
Apr-23-24 10:48PM	Q1 2024 TrustCo Bank Corp NY Earnings Call (Thomson Reuters StreetEvents)
Apr-22-24 06:05PM	TrustCo Bank (TRST) Surpasses Q1 Earnings Estimates (Zacks)
05:02PM	TrustCo: Q1 Earnings Snapshot (Associated Press Finance)
04:00PM	Loans Reach Another All-Time High, Credit Quality Remains Solid; TrustCo Reports Net Income of $12.1 Million and Capital Up 3% (GlobeNewswire)
Apr-10-24 04:00PM	TrustCo to Release First Quarter 2024 Results on April 22, 2024; Conference Call on April 23, 2024 (GlobeNewswire)
Apr-01-24 11:39AM	TrustCo Bank (TRST) Rewards Shareholders With Buyback Plan (Zacks)
Mar-29-24 04:00PM	TrustCo Bank Corp NY Announces Stock Repurchase Plan (GlobeNewswire)
Mar-20-24 03:45PM	3 Nightmare Nasdaq Stocks Not Worth Holding Another Day (InvestorPlace)
Feb-21-24 04:00PM	Strong Capital Supports TrustCo's Consistent Dividend; Annualized Payout of $1.44 per share (GlobeNewswire)
Jan-25-24 08:21AM	TrustCo Bank Corp NY (NASDAQ:TRST) Q4 2023 Earnings Call Transcript (Insider Monkey)
Jan-22-24 05:02PM	Trustco Bank Corp N Y Reports Full Year 2023 Earnings and Loan Growth Amid Economic Challenges (GuruFocus.com)
04:19PM	TrustCo: Q4 Earnings Snapshot (Associated Press Finance)
04:00PM	TrustCo's Total Loans Surpass $5 Billion - Reach All-Time High; Nonperforming Assets to Total Assets at 0.29%, Lowest in 17 Years (GlobeNewswire)
Jan-10-24 04:00PM	TrustCo to Release Fourth Quarter 2023 Results on January 22, 2024; Conference Call on January 23, 2024 (GlobeNewswire)
Nov-21-23 04:00PM	Strong Capital Supports TrustCo's Consistent Dividend; Annualized Payout of $1.44 per share (GlobeNewswire)
Oct-25-23 10:34AM	TrustCo Bank Corp NY (NASDAQ:TRST) Q3 2023 Earnings Call Transcript (Insider Monkey)
Oct-24-23 10:09PM	Q3 2023 TrustCo Bank Corp NY Earnings Call (Thomson Reuters StreetEvents)
Oct-23-23 05:45PM	Trustco Bank Corp N Y (TRST) Reports Q3 2023 Net Income of $14.7 Million (GuruFocus.com)
05:15PM	TrustCo Bank (TRST) Q3 Earnings Surpass Estimates (Zacks)
04:06PM	TrustCo: Q3 Earnings Snapshot (Associated Press Finance)
04:00PM	TrustCo's Home Town Approach to Customer Relationships Propels Loans to All Time High (GlobeNewswire)
Oct-17-23 04:00PM	TrustCo Announces the Addition of Steffani Cotugno to the Board of Directors (GlobeNewswire)
Oct-10-23 04:00PM	TrustCo to Release Third Quarter 2023 Results on October 23, 2023; Conference Call on October 24, 2023 (GlobeNewswire)
Sep-16-23 03:01AM	Insider Buying: Trustco Bank Corp N Y's Executive Vice President & CFO Michael Ozimek ... (GuruFocus.com)
Aug-15-23 04:00PM	Buoyed by Strong Liquidity and Deposit Stability, TrustCo Declares Dividend (GlobeNewswire)
Jul-25-23 10:16PM	Q2 2023 TrustCo Bank Corp NY Earnings Call (Thomson Reuters StreetEvents)
Jul-24-23 05:15PM	TrustCo Bank (TRST) Q2 Earnings Surpass Estimates (Zacks)
04:11PM	TrustCo: Q2 Earnings Snapshot (AP Finance)
04:00PM	TrustCo Reports Second Quarter Net Income of $16.4 Million and $346 Million of Loan Growth; Maintains Strong Liquidity and Demonstrates Deposit Stability (GlobeNewswire)
Jul-17-23 10:00AM	Earnings Preview: TrustCo Bank (TRST) Q2 Earnings Expected to Decline (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
McCormick Lauren Ann	VP,Treasurer, Asst. Corp. Sec.	Sep 02 '26	Buy	57.34	436	25,000	539	Sep 03 02:40 PM
McCormick Lauren Ann	VP,Treasurer, Asst. Corp. Sec.	Aug 12 '26	Buy	56.51	103	5,821	103	Aug 14 02:58 PM
LUCARELLI LISA M	Director	Jun 04 '26	Buy	52.29	200	10,458	100	Jun 08 01:36 PM
Silverman Frank B	Director	Apr 24 '26	Buy	46.18	105	4,849	4,892	Apr 28 09:25 AM
CURLEY KEVIN M	EXECUTIVE VICE PRESIDENT & COO	Mar 12 '26	Buy	42.55	588	25,019	40,984	Mar 12 05:03 PM
LUCARELLI LISA M	Director	Nov 26 '25	Buy	42.69	200	8,538	2,997	Dec 01 11:13 AM
LEONARD ROBERT M	EVP & CHIEF OPERATING OFFICER	Nov 21 '25	Option Exercise	0.00	1,600	0	36,345	Nov 24 03:33 PM
OZIMEK MICHAEL M	EXECUTIVE VICE PRESIDENT & CFO	Nov 21 '25	Option Exercise	0.00	1,107	0	30,407	Nov 24 03:31 PM
CURLEY KEVIN M	EXECUTIVE VICE PRESIDENT & CBO	Nov 21 '25	Option Exercise	0.00	1,107	0	40,679	Nov 24 03:29 PM
HALL MICHAEL JAMES	GENERAL COUNSEL & SECRETARY	Nov 21 '25	Option Exercise	0.00	271	0	10,643	Nov 24 03:27 PM
MCCORMICK ROBERT J	CHAIRMAN, PRESIDENT & CEO	Nov 21 '25	Option Exercise	0.00	4,184	0	303,301	Nov 24 03:24 PM
CURLEY KEVIN M	EXECUTIVE VICE PRESIDENT & CBO	Nov 19 '25	Option Exercise	0.00	1,100	0	40,027	Nov 21 03:31 PM
LEONARD ROBERT M	EVP & CHIEF OPERATING OFFICER	Nov 19 '25	Option Exercise	0.00	1,283	0	35,340	Nov 21 03:26 PM
HALL MICHAEL JAMES	GENERAL COUNSEL & SECRETARY	Nov 19 '25	Option Exercise	0.00	403	0	10,775	Nov 21 03:24 PM
MCCORMICK ROBERT J	CHAIRMAN, PRESIDENT & CEO	Nov 19 '25	Option Exercise	0.00	3,483	0	300,881	Nov 21 03:22 PM
OZIMEK MICHAEL M	EXECUTIVE VICE PRESIDENT & CFO	Nov 19 '25	Option Exercise	0.00	917	0	29,642	Nov 21 03:18 PM
MARINELLO ANTHONY J MD PHD	Director	Nov 19 '25	Option Exercise	0.00	550	0	24,957	Nov 21 03:16 PM
FLYNN BRIAN C	Director	Nov 19 '25	Option Exercise	0.00	550	0	3,395	Nov 21 03:14 PM
Powell Curtis N	Director	Nov 19 '25	Option Exercise	0.00	550	0	2,695	Nov 21 03:12 PM
Silverman Frank B	Director	Nov 19 '25	Option Exercise	0.00	550	0	5,337	Nov 21 03:09 PM
LUCARELLI LISA M	Director	Nov 19 '25	Option Exercise	0.00	550	0	3,347	Nov 21 03:07 PM
Russell Kimberly Adams	Director	Nov 19 '25	Option Exercise	0.00	550	0	5,250	Nov 21 03:05 PM
Cotugno Steffani	Director	Nov 19 '25	Option Exercise	0.00	550	0	2,157	Nov 21 03:03 PM
Maggs Thomas O	Director	Nov 19 '25	Option Exercise	0.00	550	0	18,019	Nov 21 03:00 PM
CURLEY KEVIN M	EXECUTIVE VICE PRESIDENT & CBO	Nov 15 '25	Option Exercise	0.00	877	0	39,804	Nov 18 03:35 PM
LEONARD ROBERT M	EVP & CHIEF OPERATING OFFICER	Nov 15 '25	Option Exercise	0.00	1,226	0	35,283	Nov 18 03:25 PM
OZIMEK MICHAEL M	EXECUTIVE VICE PRESIDENT & CFO	Nov 15 '25	Option Exercise	0.00	877	0	29,602	Nov 18 03:21 PM
HALL MICHAEL JAMES	GENERAL COUNSEL & SECRETARY	Nov 15 '25	Option Exercise	0.00	192	0	10,564	Nov 18 03:15 PM
MCCORMICK ROBERT J	CHAIRMAN, PRESIDENT & CEO	Nov 15 '25	Option Exercise	0.00	3,067	0	300,465	Nov 18 03:08 PM

TrustCo Bank Corp NY operates as holding company, which provides personal and business banking services to individuals, partnerships, and corporations. It accepts deposits and offers loans and investments. The firm also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. It serves as the executor of estates and trustee of personal trusts, provides asset and wealth management, estate planning and related advice, and custodial services, and acts as trustee for various types of employee benefit plans, and corporate pension and profit sharing trusts. The company was founded in 1902 and is headquartered in Glenville, NY.

PresidentMr. Robert Joseph McCormick

Executive VP & CFOMr. Michael M. Ozimek

Executive VP & COOMr. Robert Michael Leonard

General Counsel & Corporate SecretaryMr. Michael James Hall Esq.

Executive VP & Chief Banking OfficerMr. Kevin M. Curley

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TRST

Trustco Bank Corp

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