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TRUSTCO BANK CORP N Y TRST

Nasdaq · stock · State Commercial Banks · website · IPO 1983-04-20

TRUSTCO BANK CORP N Y statistics & valuation

Market cap$955.2M
P / E15.6×
P / B1.4×
P / FCF20.9×
Dividend yield2.89%
Return on equity8.9%
Graham number -8.6%$51.69

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($51.69); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.80% 9.40% 12.50% 10.70% 9.20% 10.20% 12.50% 9.10% 7.20% 8.90% 2016201720182019202020212022202320242025
Shares outstanding
95.6M 96.2M 96.6M 19.4M 19.3M 19.3M 19.1M 19.0M 19.0M 18.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.90% 1.20% 1.10% 0.90% 1.00% 1.30% 1.00% 0.80% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.45 $0.45 $0.64 $2.98 $2.72 $3.19 $3.93 $3.08 $2.57 $3.25 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

TRUSTCO BANK CORP N Y trades at about 17.4× earnings — above its 10-year norm (10-year range 9.1×–96×, median 13.3×).

9.1× 96×

Shaded band = 10-year range (9.1×–96×); dot = today's 17.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.9%0.8%1.0%1.3%1.0%0.9%1.1%1.2%0.9%0.9%
Return on equity8.9%7.2%9.1%12.5%10.2%9.2%10.7%12.5%9.4%9.8%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.