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55.47 USD
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P/E
15.13
EPS
3.59
Yield
2.83%
Safety Score
88
P/B
1.41
ROE
9.65
Beta
0.66
TrustCo Bank Corp NY logo

TrustCo Bank Corp NY

🧾 Earnings Recap – Q3 2025

TrustCo Bank Corp NY delivered robust financial results in Q3 2025, achieving a 26.3% increase in net income year-over-year, driven by strong loan and deposit growth and effective expense management.

  • Net income reached $16.3 million, with a return on average assets of 1.02% and average equity of 9.29%.
  • Nonperforming loans decreased to 0.36% of total loans, showcasing improved credit quality.
  • The bank repurchased 298,000 shares this quarter, with 467,000 shares repurchased year-to-date, reflecting confidence in its valuation.
  • Total deposits grew by $217 million year-over-year, reaching $5.5 billion, indicating strong customer trust and competitive positioning.
  • Continued expansion in the loan portfolio, with average loans hitting an all-time high of $5.2 billion, led by home equity lines and commercial loans.
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1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateJan. 25, 2027
P/E15.13
EPS3.59
Book Value38.53
Price to Book1.41
% Insiders3.365%
Growth
Revenue Growth0.11%
Earnings Growth0.24%
Estimates
Forward P/E18.93
Forward EPS2.87
Dividend
Dividend Yield2.83%
Annual dividends1.54 USD
Ex-Div. DateSept. 4, 2026
Payout42.15%
5y avg Yield4.44%

DCF valuation

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Assumptions
Growth– Capex– Tax– Terminal g– Cost of equity– Cost of debt–

TrustCo Bank Corp NY Logo TrustCo Bank Corp NY Analysis (TRST)

United States Financials Official Website Stock

Is TrustCo Bank Corp NY a good investment? TrustCo Bank Corp NY (TRST) is currently trading at 55.47 USD.

In terms of valuation, the stock trades at a P/E ratio of 15.13. This valuation is generally in line with the broader market.

Earnings Schedule: TrustCo Bank Corp NY is expected to release its next earnings report on Jan. 25, 2027. The market consensus estimate for Forward EPS is 2.87.

For income investors, TrustCo Bank Corp NY pays a dividend yield of 2.83%. With a payout ratio of 42%, the dividend appears sustainable.

Investor FAQ

Does TrustCo Bank Corp NY pay a dividend?

Yes, it pays an annual dividend of 1.54 USD (2.83% yield).

What asset class is TrustCo Bank Corp NY?

TrustCo Bank Corp NY is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Jan. 25, 2027. The company currently has a trailing EPS of 3.59.

Company Profile

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company 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. In addition, it operates 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 operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.

Exchange Ticker
NMS (United States) TRST
Trades
Dividend Yield
2.83%
5y avg 4.44%
Annual Dividends
1.54USD
Next Ex. Div Date
Sept. 4, 2026
Payout Ratio
42.15%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
1.15 USD
July 1, 2027 (estimated) 0.3870
April 1, 2027 (estimated) 0.3836
Jan. 4, 2027 (estimated) 0.3836
▸2026
1.54 USD
Oct. 1, 2026 0.4000
July 1, 2026 0.3800
April 1, 2026 0.3800
Jan. 2, 2026 0.3800
▸2025
1.46 USD
Oct. 1, 2025 0.3800
July 1, 2025 0.3600
April 1, 2025 0.3600
Jan. 2, 2025 0.3600
▸2024
1.44 USD
Oct. 1, 2024 0.3600
July 1, 2024 0.3600
April 1, 2024 0.3600
Jan. 2, 2024 0.3600
▸2023
1.44 USD
Oct. 2, 2023 0.3600
July 3, 2023 0.3600
April 3, 2023 0.3600
Jan. 3, 2023 0.3600
▸2022
1.40 USD
Oct. 3, 2022 0.3500
July 1, 2022 0.3500
April 1, 2022 0.3500
Jan. 3, 2022 0.3500
▸2021
0.82 USD
Oct. 1, 2021 0.3410
July 1, 2021 0.3410
April 1, 2021 0.0681
Jan. 4, 2021 0.0681
▸2020
0.27 USD
Oct. 1, 2020 0.0680
July 1, 2020 0.0681
April 1, 2020 0.0681
Jan. 2, 2020 0.0681
▸2019
0.27 USD
Oct. 1, 2019 0.0681
July 1, 2019 0.0681
April 1, 2019 0.0681
Jan. 2, 2019 0.0681
▸2018
0.27 USD
Oct. 1, 2018 0.0681
July 2, 2018 0.0656
April 2, 2018 0.0656
Jan. 2, 2018 0.0656
▸2017
0.26 USD
Oct. 2, 2017 0.0656
July 3, 2017 0.0656
April 3, 2017 0.0656
Jan. 3, 2017 0.0656
▸2016
0.26 USD
Oct. 3, 2016 0.0656
July 1, 2016 0.0656
April 1, 2016 0.0656
Jan. 4, 2016 0.0656
▸2015
0.26 USD
Oct. 1, 2015 0.0656
July 1, 2015 0.0656
April 1, 2015 0.0656
Jan. 2, 2015 0.0656
▸2014
0.26 USD
Oct. 1, 2014 0.0656
July 1, 2014 0.0656
April 1, 2014 0.0656
Jan. 2, 2014 0.0656
▸2013
0.26 USD
Oct. 1, 2013 0.0656
July 1, 2013 0.0656
April 1, 2013 0.0656
Jan. 2, 2013 0.0656
▸2012
0.26 USD
Oct. 1, 2012 0.0656
July 2, 2012 0.0656
April 2, 2012 0.0656
Jan. 3, 2012 0.0656
▸2011
0.26 USD
Oct. 3, 2011 0.0656
July 1, 2011 0.0656
April 1, 2011 0.0656
Jan. 3, 2011 0.0656
▸2010
0.25 USD
Oct. 1, 2010 0.0656
July 1, 2010 0.0625
April 1, 2010 0.0625
Jan. 4, 2010 0.0625
▸2009
0.35 USD
Oct. 1, 2009 0.0625
July 1, 2009 0.0625
April 1, 2009 0.1100
Jan. 2, 2009 0.1100
▸2008
0.49 USD
Oct. 1, 2008 0.1100
July 1, 2008 0.1100
April 1, 2008 0.1100
Jan. 2, 2008 0.1600
▸2007
0.64 USD
Oct. 1, 2007 0.1600
July 2, 2007 0.1600
April 2, 2007 0.1600
Jan. 2, 2007 0.1600
▸2006
0.64 USD
Oct. 2, 2006 0.1600
July 3, 2006 0.1600
April 3, 2006 0.1600
Jan. 3, 2006 0.1600
▸2005
0.60 USD
Oct. 3, 2005 0.1500
July 1, 2005 0.1500
April 1, 2005 0.1500
Jan. 4, 2005 0.1500
▸2004
0.60 USD
Oct. 1, 2004 0.1500
July 1, 2004 0.1500
April 1, 2004 0.1500
Jan. 2, 2004 0.1500
▸2003
0.60 USD
Oct. 1, 2003 0.1500
July 1, 2003 0.1500
April 1, 2003 0.1500
Jan. 2, 2003 0.1500
▸2002
0.60 USD
Oct. 1, 2002 0.1500
July 1, 2002 0.1500
April 1, 2002 0.1500
Jan. 2, 2002 0.1500
▸2001
0.60 USD
Oct. 1, 2001 0.1500
July 2, 2001 0.1500
April 2, 2001 0.1500
Jan. 2, 2001 0.1500
▸2000
0.60 USD
Oct. 2, 2000 0.1500
July 3, 2000 0.1500
April 3, 2000 0.1500
Jan. 3, 2000 0.1500
▸1999
1.10 USD
Oct. 1, 1999 0.2750
July 1, 1999 0.2750
April 1, 1999 0.2750
Jan. 4, 1999 0.2750
▸1998
1.10 USD
Oct. 1, 1998 0.2750
July 1, 1998 0.2750
April 1, 1998 0.2750
Jan. 2, 1998 0.2750
▸1997
1.10 USD
Oct. 1, 1997 0.2750
July 1, 1997 0.2750
April 1, 1997 0.2750
Jan. 2, 1997 0.2750
▸1996
1.26 USD
Oct. 1, 1996 0.3418
July 1, 1996 0.3418
April 1, 1996 0.2859
Jan. 2, 1996 0.2859
▸1995
1.14 USD
Oct. 2, 1995 0.2859
July 3, 1995 0.2848
April 3, 1995 0.2848
Jan. 3, 1995 0.2848
▸1994
1.16 USD
Oct. 1, 1994 0.2590
Sept. 26, 1994 0.2331
July 1, 1994 0.2500
April 1, 1994 0.2072
Jan. 3, 1994 0.2072
▸1993
2.09 USD
Oct. 1, 1993 0.4500
Aug. 9, 1993 0.4400
July 1, 1993 0.4000
April 1, 1993 0.4000
Jan. 4, 1993 0.4000
▸1992
2.04 USD
Oct. 1, 1992 0.4000
July 1, 1992 0.4000
May 11, 1992 0.4400
April 1, 1992 0.4000
Jan. 2, 1992 0.4000
▸1991
1.92 USD
Oct. 1, 1991 0.4000
Aug. 5, 1991 0.4356
July 1, 1991 0.3600
April 1, 1991 0.3600
Jan. 2, 1991 0.3600
▸1990
1.38 USD
Oct. 1, 1990 0.4792
July 2, 1990 0.3000
April 2, 1990 0.3000
Jan. 2, 1990 0.3000
▸1989
1.51 USD
Oct. 2, 1989 0.3000
July 1, 1989 0.4026
April 3, 1989 0.4026
Jan. 3, 1989 0.4026
▸1988
1.65 USD
Oct. 3, 1988 0.4429
July 1, 1988 0.4026
April 1, 1988 0.4026
Jan. 1, 1988 0.4026
▸1987
1.47 USD
Oct. 1, 1987 0.4026
July 1, 1987 0.3543
April 1, 1987 0.3543
Jan. 1, 1987 0.3543
▸1986
3.26 USD
Sept. 8, 1986 0.3968
June 9, 1986 1.4341
March 10, 1986 1.4341
▸1985
5.03 USD
Dec. 9, 1985 1.4341
Sept. 9, 1985 1.2531
June 10, 1985 1.2531
March 11, 1985 1.0861
▸1984
1.01 USD
Dec. 10, 1984 1.0109
Upcoming Dividends
Name Payment Date Status Amount
TrustCo Bank Corp NY Oct 01, 2026 0.4 USD
TrustCo Bank Corp NY Jul 01, 2026 0.38 USD
TrustCo Bank Corp NY Apr 01, 2026 0.38 USD
TrustCo Bank Corp NY Jan 02, 2026 0.38 USD
Stock Splits
Split Date Split Ratio to 1
May 14, 1984 2:1
July 22, 1986 2:1
Nov. 23, 1992 1.33
Nov. 22, 1993 2:1
Aug. 1, 1995 1.2
Oct. 23, 1996 1.15
Oct. 22, 1997 1.15
Oct. 21, 1998 1.15
Nov. 15, 1999 2:1
Oct. 18, 2000 1.15
Oct. 17, 2001 1.15
May 28, 2021 1:5
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