Stocks · Financial Services · Banks - Regional
TrustCo Bank Corp NY TRST
$55.69 +1.72% Close, Oct 2, 2026 · NASDAQ · Market cap $948.3M
Strong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 15.5× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Operating margin narrowed to 17.7% from 26.0% a year earlier.
- The diluted share count fell 7.2% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 11%
- EPS growth (TTM, YoY)Top 39%
- FCF growth (TTM, YoY)Top 40%
- Revenue growth, 3-year CAGRBottom 33%
- Revenue growth accelerationBottom 11%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 35%
- Gross marginBottom 43%
- Operating marginBottom 41%
- Cash conversion (OCF / net income)Bottom 42%
- Accruals (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverBottom 25%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 49%
- Free-cash-flow yieldBottom 43%
- EBITDA / enterprise valueBottom 39%
- Sales / enterprise valueBottom 31%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 5%
- 6-month returnTop 14%
- 1-year return vs S&P 500Top 5%
- Distance from 52-week highTop 30%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 19%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyBottom 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 36%
- Maximum drawdown, 3 yearsTop 45%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.7% | -10.4% | ↓ |
| EPS growth (YoY) | 27.2% | 28.1% | ↑ |
| Gross margin | 65.7% | 62.5% | ↓ |
| Operating margin | 26.0% | 17.7% | ↓ |
| FCF margin | 18.3% | 26.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -10.4% | 5.7% | ↓ | Bottom 11% |
| EPS growth (TTM, YoY) | 28.1% | 27.2% | ↑ | Top 39% |
| Gross margin | 62.5% | 65.7% | ↓ | Bottom 43% |
| Operating margin | 17.7% | 26.0% | ↓ | Bottom 41% |
| Net margin | 27.0% | 19.8% | ↑ | — |
| Free-cash-flow margin | 26.5% | 18.3% | ↑ | — |
| Return on invested capital | 0.5% | — | Bottom 35% | |
| Revenue growth, 3-year CAGR | 10.6% | — | Bottom 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.06×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.89%
- Net buyback yield (TTM)
- 8.57%
- Shareholder yield
- 11.46%
- Share count change, 1 year
- -7.2%
- Share count change, 3-year CAGR
- -2.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +13.5%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 7 of 8
Analysts
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | — | +0.5% | +3.6% | +2.5% | — |
| Apr 21, 2026 | — | -0.7% | +0.8% | +5.8% | +18.9% |
| Jan 21, 2026 | +6.2% | +6.5% | -1.0% | +6.4% | +7.0% |
| Oct 21, 2025 | +17.8% | -0.2% | +4.8% | +6.8% | +20.9% |
| Jul 21, 2025 | +14.5% | +0.1% | -1.5% | +0.0% | +0.8% |
| Apr 21, 2025 | +15.4% | -0.3% | +6.5% | +13.0% | +21.4% |
| Jan 21, 2025 | -7.8% | +0.9% | +1.1% | +4.2% | -12.6% |
| Oct 21, 2024 | +19.3% | -3.6% | -3.9% | +8.5% | -5.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.98 | — | — | $50.7M |
| Apr 21, 2026 | $0.91 | — | — | $49.5M |
| Jan 21, 2026 | $0.85 | $0.80 | +6.2% | $70.5M |
| Oct 21, 2025 | $0.86 | $0.73 | +17.8% | $47.8M |
| Jul 21, 2025 | $0.79 | $0.69 | +14.5% | $46.6M |
| Apr 21, 2025 | $0.75 | $0.65 | +15.4% | $45.3M |
| Jan 21, 2025 | $0.59 | $0.64 | -7.8% | $43.3M |
| Oct 21, 2024 | $0.68 | $0.57 | +19.3% | $43.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.5× | 11.3× | 100th | Bottom 49% |
| EV / EBITDA | 21.6× | — | — | Bottom 39% |
| EV / Sales | 4.34× | — | — | Bottom 31% |
| Free-cash-flow yield | 6.74% | — | — | Bottom 43% |
| Earnings yield | 6.46% | — | — | Bottom 49% |
P/E over the past five years
Range 7.0× – 15.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +54.1%
- Earnings per share growth (TTM)
- +28.1%
- Change in P/E multiple
- +28.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 320
- 50-day average slope (20 days)
- +1.2%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- -1.9%
- Distance from 200-day average
- +12.1%
- RSI (14)
- 46.1
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.3%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -5.8%
- Maximum drawdown, 3 years
- -27.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 22, 2022 | Oct 24, 2023 | -37.1% | 230 days | 461 days (Aug 27, 2025) |
| May 28, 2021 | Jun 17, 2022 | -23.7% | 266 days | 109 days (Nov 22, 2022) |
| Sep 4, 2025 | Oct 16, 2025 | -14.9% | 30 days | 26 days (Nov 21, 2025) |
| Jan 20, 2021 | Jan 29, 2021 | -14.8% | 7 days | 24 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $948.3M
- P/E (TTM)
- 15.5
- EPS, diluted (TTM)
- $3.60
- Revenue (TTM)
- $241.4M
- Dividend yield
- 2.77%
- 52-week range
- $34.31 – $59.28
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $185.9M | $205.9M | $244.5M | $263.1M | $278.3M |
| Gross profit | $183.8M | $199.7M | $188.9M | $169.8M | $186.7M |
| Operating income | $82.1M | $99.4M | $77.6M | $64.0M | $81.2M |
| Net income | $61.5M | $75.2M | $58.6M | $48.8M | $61.1M |
| EPS (diluted) | $3.19 | $3.93 | $3.08 | $2.57 | $3.25 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $66.0M | $66.3M | $67.8M | $69.3M | $70.7M | $70.5M | $71.0M | $29.2M |
| Net income | $12.9M | $11.3M | $14.3M | $15.0M | $16.3M | $15.6M | $16.3M | $17.0M |
| EPS (diluted) | $0.68 | $0.59 | $0.75 | $0.79 | $0.86 | $0.85 | $0.91 | $0.98 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $55.4M | $78.6M | $64.1M | $59.4M | $57.6M |
| Capital expenditure | -$2.8M | -$3.8M | -$5.7M | -$4.9M | -$11.9M |
| Free cash flow | $52.5M | $74.8M | $58.5M | $54.6M | $45.7M |
| Dividends paid | -$26.3M | -$27.0M | -$27.4M | -$27.4M | -$27.6M |
| Net share buybacks | -$2.6M | -$7.0M | $0 | -$374,000 | -$38.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $44.5M
- Total assets
- $6.53B
- Total liabilities
- $5.87B
- Total debt
- $144.7M
- Net debt
- $100.2M
- Shareholders’ equity
- $656.0M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.40 | Oct 1, 2026 |
| Jun 5, 2026 | $0.38 | Jul 1, 2026 |
| Mar 6, 2026 | $0.38 | Apr 1, 2026 |
| Dec 5, 2025 | $0.38 | Jan 2, 2026 |
| Sep 5, 2025 | $0.38 | Oct 1, 2025 |
| Jun 6, 2025 | $0.36 | Jul 1, 2025 |
| Mar 7, 2025 | $0.36 | Apr 1, 2025 |
| Dec 6, 2024 | $0.36 | Jan 2, 2025 |
Short interest
- Shares sold short
- 1,143,637
- Days to cover
- 7.68
- Change vs previous report
- +27.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 28, 2021
- 1-for-5
- Oct 17, 2001
- 23-for-20
- Oct 18, 2000
- 23-for-20
- Nov 15, 1999
- 2-for-1
- Oct 21, 1998
- 23-for-20