TrustCo Bank Corp NY (TRST)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 171 | 178 | 199 | 190 | 172 | 188 | 153 | - |
| Operating profit | $m | 81 | 43 | ||||||
| Net profit | $m | 52 | 62 | 75 | 59 | 49 | 61 | 65 | - |
| EPS reported | $ | 3.25 | 3.60 | ||||||
| Operating cashflow per share | $ | 3.15 | 3.93 | ||||||
| Capex per share | $ | 0.65 | 0.30 | ||||||
| FCF per share | $ | 2.50 | 3.64 | ||||||
| Free cash flow | $m | 46 | 64 | ||||||
| Net debt | $m | -173 | 100 | ||||||
| Book value equity | $m | 687 | 656 | ||||||
| Book value per share | $ | 37.46 | 37.21 | ||||||
| Number of shares | m | 18.33 | 17.63 | ||||||
| DPS (TTM paid) | $ | 1.48 | 1.54 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.72 | 15.38 | ||||||
| P/B LTM | x | 1.10 | 1.15 | ||||||
| P/S LTM | x | 4.02 | 4.95 | ||||||
| P/FCF LTM | x | 16.51 | 11.82 | ||||||
| EV/EBITDA LTM | x | 9.60 | 17.74 | ||||||
| EV/Sales LTM | x | 3.09 | 4.31 | ||||||
| Earnings Yield LTM | % | +7.86% | +6.50% | ||||||
| FCF Yield | % | +6.06% | +8.46% | ||||||
| Quality | |||||||||
| ROE | % | +8.90% | +9.62% | ||||||
| ROIC | % | +6.96% | +0.49% | ||||||
| Operating margin | % | +29.18% | +17.71% | ||||||
| Gross margin | % | +67.08% | +62.53% | ||||||
| FCF/Sales | % | +16.43% | +26.46% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +26.46% | +40.08% | ||||||
| Sales Growth YoY | % | +9.38% | -11.20% | ||||||
| Net Income Growth YoY | % | +25.20% | +33.26% | ||||||
| FCF Growth | % | -16.17% | +17.09% | ||||||
| Operating Profit Growth | % | +26.81% | -33.22% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.66% | +2.75% | ||||||
| Dividend Growth | % | +2.78% | +6.94% | ||||||
| Payout Ratio | % | +46.37% | +41.85% | ||||||
| FCF/Debt | x | 0.29 | 0.44 | ||||||
| Net Debt/EBITDA | x | 1.18 | 2.06 | ||||||
| EBIT/Net interest | x | 0.90 | 0.48 | ||||||
| Net debt/market cap | % | +15.89% | +11.52% | ||||||
| Net debt/Equity | x | -0.25 | 0.15 | ||||||
| Gross debt/equity | x | 0.23 | 0.22 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices in Glenville, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
TrustCo Bank Corp NY (TRST)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices in Glenville, New York.
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