Inside the research
TrustCo Bank Corp NY
TRST Research profile · latest available data
Price overview
$56.20
▼ -0.10 (-0.2%)
| 52w hi | $59.11 |
|---|---|
| 52w lo | $33.57 |
| Vol | 100.10K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.48
| Short | +0.51 |
|---|---|
| Medium | +0.51 |
| Long | +0.36 |
computed 2026-09-27
Key fundamentals
TrustCo Bank Corp NY
Financial Services · Banks - Regional
| Market cap | $956.96M |
|---|---|
| Enterprise value | $405.06M |
| Trailing P/E | 15.61x |
| Forward P/E | 19.58x |
| P / S (ttm) | 4.91x |
| Profit margin | 33.4% |
| Return on equity | 9.6% |
| Revenue growth | +10.7% |
| Earnings growth | +24.1% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.29 | |
| Sector | +0.02 | |
| Technical | +0.37 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 0.69 |
|---|---|
| Corr SPX | 0.41 |
| Annual vol | 26.7% |
| Annual ret | +29.2% |
| Sharpe | 1.09 |
| Max DD | -27.4% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-21 | Earnings Release, Exhibits | read |
| 2026-07-10 | Other Material Event, Exhibits | read |
| 2026-05-20 | Officer / Director Change, Shareholder Vote… | read |
| 2026-05-20 | Other Material Event, Exhibits | read |
| 2026-04-21 | Earnings Release, Exhibits | read |
| 2026-04-10 | Other Material Event, Exhibits | read |
| 2026-02-17 | Other Material Event, Exhibits | read |
| 2026-01-29 | Officer / Director Change | read |
| 2026-01-29 | Reg FD Disclosure, Exhibits | read |
| 2026-01-21 | Earnings Release, Exhibits | read |
| 2026-01-12 | Other Material Event, Exhibits | read |
| 2025-12-19 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-04 | LUCARELLI LISA M | Director | Buy | 100 | $5.23K |
| 2026-03-12 | CURLEY KEVIN M | Officer, EXECUTIVE VICE P | Buy | 588 | $25.02K |
| 2025-11-26 | LUCARELLI LISA M | Director | Buy | 200 | $8.54K |
| 2025-11-21 | LEONARD ROBERT M | Officer, EVP & CHIEF OPER | Option exercise | 1.60K | — |
| 2025-11-21 | LEONARD ROBERT M | Officer, EVP & CHIEF OPER | Withheld for tax | 755 | $31.36K |
| 2025-11-21 | OZIMEK MICHAEL M | Officer, EXECUTIVE VICE P | Option exercise | 1.11K | — |
| 2025-11-21 | OZIMEK MICHAEL M | Officer, EXECUTIVE VICE P | Withheld for tax | 435 | $18.07K |
| 2025-11-21 | CURLEY KEVIN M | Officer, EXECUTIVE VICE P | Option exercise | 1.11K | — |
| 2025-11-21 | CURLEY KEVIN M | Officer, EXECUTIVE VICE P | Withheld for tax | 461 | $19.15K |
| 2025-11-21 | HALL MICHAEL JAMES | Officer, GENERAL COUNSEL | Option exercise | 271 | — |
Flow & Concentration
| Insider 180d net | $5.23K |
|---|---|
| Insider buys / sells | 1 / 0 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Net income | $48.83M | +2.8% | |
| Cash from ops | $64.13M | -7.0% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $56.54 | $56.73 | $56.05 | $56.20 | 100.10K |
| Sep 24 | $55.79 | $56.43 | $55.75 | $56.30 | 104.30K |
| Sep 23 | $55.96 | $56.20 | $55.47 | $55.54 | 92.60K |
| Sep 22 | $56.68 | $57.13 | $55.79 | $55.96 | 105.30K |
| Sep 21 | $57.10 | $57.53 | $56.24 | $56.34 | 106.40K |
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