# TrustCo Bank Corp NY (TRST) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $57.92, market value $986 million.

## Valuation
- **P/E (trailing): 16.1×** (5-yr avg 10.1×, 3-yr avg 11.3×). TrustCo Bank Corp NY trades at 16.1× trailing earnings, well above its own five-year average of 10.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 20.2×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.76**. A PEG of 0.76 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.1%** (5-yr avg 9.6%). Free cash flow equals 6.1% of the market value, below its five-year average of 9.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.2%**. The inverse of the P/E: 6.2% of the price is earned each year.

## Profitability
- **Return on equity: 8.9%**. 8.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 26.5%** (3-yr -6.1%/yr, 5-yr 3.6%/yr). Earnings per share rose 26.5%.
- **Free-cash-flow growth (3 yr): -15.1%/yr**. Free cash flow has compounded at -15.1% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $730 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.76%** ($1.52 per share, trailing). TrustCo Bank Corp NY yields 2.76%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 45%** (46% of free cash flow). 45% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.7%/yr** (1-yr 2.8%). The dividend has grown 1.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 47.2%** (YTD 42.4%, 3-mo 10.3%). The shares are up 47.2% over twelve months including dividends.
- **From 52-week high: -1.8%** (68.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.49** (volatility 24%). Beta of 0.49 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TRST · Page: https://foliofundamentals.com/stocks/trst

Not investment advice.