Stock Scorecard
Stock Summary for Trustco Bank Corp (TRST) - $39.79 as of 8/29/2025 9:16:13 PM EST
Total Score
15 out of 30
Safety Score
59 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for TRST
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for TRST
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for TRST
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for TRST
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for TRST (59 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for TRST
Financial Details for TRST
Company Overview |
|
|---|---|
| Ticker | TRST |
| Company Name | Trustco Bank Corp |
| Country | USA |
| Description | TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/27/2025 |
Stock Price History |
|
| Last Day Price | 39.79 |
| Price 4 Years Ago | 28.40 |
| Last Day Price Updated | 8/29/2025 9:16:13 PM EST |
| Last Day Volume | 154,550 |
| Average Daily Volume | 110,881 |
| 52-Week High | 39.37 |
| 52-Week Low | 26.87 |
| Last Price to 52 Week Low | 48.08% |
Valuation Measures |
|
| Trailing PE | 13.99 |
| Industry PE | 17.88 |
| Sector PE | 22.38 |
| 5-Year Average PE | 12.23 |
| Free Cash Flow Ratio | 16.58 |
| Industry Free Cash Flow Ratio | 8.06 |
| Sector Free Cash Flow Ratio | 28.87 |
| Current Ratio Most Recent Quarter | 4.63 |
| Total Cash Per Share | 2.40 |
| Book Value Per Share Most Recent Quarter | 36.75 |
| Price to Book Ratio | 1.06 |
| Industry Price to Book Ratio | 1.16 |
| Sector Price to Book Ratio | 2.24 |
| Price to Sales Ratio Twelve Trailing Months | 4.19 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.36 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.42 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 18,851,000 |
| Market Capitalization | 750,081,290 |
| Institutional Ownership | 80.92% |
Dividends |
|
| Ex-Dividend Date | 9/5/2025 |
| Previous Dividend Amount | 0.3600 |
| Current Dividend Amount | 0.3800 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.44 |
| Trailing Annual Dividend Yield | 3.62% |
| Forward Annual Dividend Rate | 1.52 |
| Forward Annual Dividend Yield | 3.82% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 4.42% |
| 5-Year Average Dividend Yield | 4.61% |
| 1-Year Dividend Growth Rate Percentage | 5.56% |
| 3-Year Dividend Growth Rate Percentage | 2.74% |
| 5-Year Dividend Growth Rate Percentage | 2.60% |
| All-Time Dividend Growth Rate Percentage | 7.18% |
| Dividend Payout Ratio | 51.25% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 19.70% |
| Annual Earnings Growth | -16.73% |
| Reported EPS 12 Trailing Months | 2.81 |
| Reported EPS Past Year | 1.54 |
| Reported EPS Prior Year | 2.57 |
| Net Income Twelve Trailing Months | 53,470,000 |
| Net Income Past Year | 48,833,000 |
| Net Income Prior Year | 58,646,000 |
| Quarterly Revenue Growth YOY | 7.00% |
| 5-Year Revenue Growth | 4.54% |
| Operating Margin Twelve Trailing Months | 46.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 45,218,000 |
| Total Cash Past Year | 47,364,000 |
| Total Cash Prior Year | 49,274,000 |
| Net Cash Position Most Recent Quarter | 45,218,000 |
| Net Cash Position Past Year | 47,364,000 |
| Long Term Debt Past Year | 0 |
| Long Term Debt Prior Year | 0 |
| Total Debt Most Recent Quarter | 0 |
| Equity to Debt Ratio Past Year | 1.00 |
| Equity to Debt Ratio Most Recent Quarter | 1.00 |
| Total Stockholder Equity Past Year | 676,343,000 |
| Total Stockholder Equity Prior Year | 645,285,000 |
| Total Stockholder Equity Most Recent Quarter | 692,805,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 49,221,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.61 |
| Free Cash Flow Past Year | 54,558,000 |
| Free Cash Flow Prior Year | 58,463,000 |
Options |
|
| Put/Call Ratio | 1.43 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 1.17 |
| MACD Signal | 0.69 |
| 20-Day Bollinger Lower Band | 27.45 |
| 20-Day Bollinger Middle Band | 33.01 |
| 20-Day Bollinger Upper Band | 38.58 |
| Beta | 0.70 |
| RSI | 80.62 |
| 50-Day SMA | 32.37 |
| 150-Day SMA | 29.66 |
| 200-Day SMA | 29.32 |
System |
|
| Modified | 8/28/2025 12:23:57 PM EST |