TrustCo Bank Corp NY

Valuation Analysis

About the Company

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,

TrustCo Bank Corp NY Stock at a Glance

TrustCo Bank Corp NY (TRST) is currently trading at $55.25 with a market capitalization of $965.5M. The trailing P/E ratio stands at 16.2x, with a forward P/E of 19.25x. The 52-week range spans from $30.52 to $55.60; the current price is 0.6% below the yearly high. Year-over-year revenue growth stands at +7.9%. The net profit margin stands at 33.26%.

💰 Dividend

TrustCo Bank Corp NY pays an annual dividend of $1.52 per share, representing a yield of 2.75%. The payout ratio stands at 43.99%.

TrustCo Bank Corp NY: The Investment Case in Detail

TrustCo Bank Corp NY (TRST) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

With a PEG ratio of 0.63, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

What to Watch Next

• The share is trading at 98.6% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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