Is TrustCo Bancorp of NY (TRST) overvalued or fairly valued?

MarketChacha shows TrustCo Bancorp of NY's valuation in context — a trailing P/E of about 15.4, a forward P/E of about 19.1, a price-to-book of about 1.4 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does TrustCo Bancorp of NY's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.07×) from reported figures — education, not a rating.

What is the share price of TrustCo Bancorp of NY (TRST)?

TrustCo Bancorp of NY last traded at $54.61 (+1.7% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

TrustCo Bancorp of NY

TRST · NYSE · Financials · United States

Snapshot

TickerTRST

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees742

HeadquartersGlenville, United States

Websitewww.trustcobank.com

Filings tracked22

About TrustCo Bancorp of NY

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, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.

Who owns it

Insiders3.4%
Institutions79.6%
Public & other17.0%

275 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.78%
Dimensional Fund Advisors LP6.70%
Systematic Financial Management, L.P.6.47%
State Street Corporation5.42%
Holdco Asset Management, LP5.13%
Vanguard Capital Management LLC4.40%
American Century Companies Inc3.58%
Geode Capital Management, LLC3.03%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.07×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

8.9%

Profit CAGR (2y)

+2.1%

EPS (FY2025)

3.25

Net profit (FY2025)

$61.1M

Ask MarketChacha about TRST

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Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$61.1M	3.25	8.9%
FY2024	$48.8M	2.57	7.2%
FY2023	$58.6M	3.08	9.1%

Quarterly

Period	Net profit	EPS
2026Q2	$17.0M	0.98
2026Q1	$16.3M	0.91
2025Q3	$16.3M	0.86
2025Q2	$15.0M	0.79
2025Q1	$14.3M	0.75
2024Q3	$12.9M	0.68
2024Q2	$12.6M	0.66
2024Q1	$12.1M	0.64
2023Q3	$14.7M	0.77
2023Q2	$16.4M	0.86
2023Q1	$17.7M	0.93

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Other events, Exhibits
SEC8/18/2026material
10-Q filing
SEC8/10/2026
8-K — Results of operations, Exhibits
SEC7/21/2026material
8-K — Other events, Exhibits
SEC7/10/2026material
8-K — Other events, Exhibits
SEC5/20/2026material
8-K — Executive/director change, Shareholder vote results, Other events, Exhibits
SEC5/20/2026material
10-Q filing
SEC5/8/2026
8-K — Results of operations, Exhibits
SEC4/21/2026material
8-K — Other events, Exhibits
SEC4/10/2026material
10-K filing
SEC3/16/2026
8-K — Other events, Exhibits
SEC2/17/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/29/2026material
8-K — Executive/director change
SEC1/29/2026material
8-K — Results of operations, Exhibits
SEC1/21/2026material
8-K — Other events, Exhibits
SEC1/12/2026material

2025

8-K — Other events, Exhibits
SEC12/19/2025material
8-K — Other events, Exhibits
SEC11/19/2025material
10-Q filing
SEC11/7/2025
8-K — Results of operations, Exhibits
SEC10/21/2025material
8-K — Other events, Exhibits
SEC10/10/2025material
8-K — Other events, Exhibits
SEC8/19/2025material
10-Q filing
SEC8/8/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.