Trustco Bank Corp
Research Trustco Bank Corp (TRST) on Bullrun: valuation model: 12.3% overvalued, market cap USD 969.05M, P/E 15.8, dividend yield 2.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerTRST
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.3% overvalued
- Market capUSD 969.05M
- P/E15.8
- Dividend yield2.7%
- Financial periodQ1 2026
- RevenueUSD 49.55M
- Net incomeUSD 16.29M
- Free cash flowUSD 10.18M
Valuation Snapshot
Bullrun's latest valuation model marks Trustco Bank Corp as 12.3% overvalued; latest market cap is USD 969.05M; P/E is 15.8; dividend yield is 2.7%.
Peer valuation comparison
Latest P/E is 15.81x versus a Financial Services sector median of 13.84x (14.2% above).
Latest dividend yield is 2.65% versus a Financial Services sector median of 3.86% (31.3% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 187.92M | USD 61.14M | USD 45.74M | n/a | 3.25 | USD 730.43M | USD 120.05M | USD 686.59M |
| FY2024 | USD 171.77M | USD 48.83M | USD 54.56M | n/a | 2.57 | USD 641.81M | USD 84.78M | USD 676.34M |
| FY2023 | USD 190.16M | USD 58.65M | USD 58.46M | n/a | 3.08 | USD 578.00M | USD 88.99M | USD 645.29M |
| FY2022 | n/a | USD 75.23M | USD 74.84M | n/a | 3.93 | USD 650.60M | USD 122.70M | USD 599.99M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 969.05M | 15.8 | 2.7% | 1.52 |
| 2025 | 2025-12-31 | USD 745.14M | 12.7 | 3.6% | 1.48 |
| 2024 | 2024-12-31 | USD 633.55M | 13.0 | 4.3% | 1.44 |
| 2023 | 2023-12-29 | USD 590.71M | 8.5 | 4.6% | 1.44 |
| 2022 | 2022-12-30 | USD 716.16M | 10.2 | 3.8% | 1.41 |
| 2021 | 2021-12-31 | USD 640.22M | 10.4 | 4.1% | 1.37 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.52 USD, yield 2.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.48 USD |
| FY2024 | 1.44 USD |
| FY2023 | 1.44 USD |
| FY2022 | 1.41 USD |
About Trustco Bank Corp
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;
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Frequently asked questions
Is Trustco Bank Corp overvalued or undervalued?
Bullrun's valuation model currently marks Trustco Bank Corp as 12.3% overvalued.
What is Trustco Bank Corp's market cap?
Trustco Bank Corp's market capitalization is USD 969.05M.
What is Trustco Bank Corp's P/E ratio?
Trustco Bank Corp's price-to-earnings (P/E) ratio is 15.8.
Does Trustco Bank Corp pay a dividend?
Trustco Bank Corp has a dividend yield of 2.7%.
What does Trustco Bank Corp do?
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.