- ISIN
- US8983492047
- CUSIP
- 898349204
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Mar 26, 1990
Highlights
- Market Cap
- $930.80M
- Enterprise Value
- $1.11B
- EPS (TTM)
- $3.40
- PE Ratio
- 15.29
- PEG Ratio
- 5.33
- Total Revenue (TTM)
- $212.95M
- Gross Profit (TTM)
- $141.67M
- EBITDA (TTM)
- $68.22M
- Year Range
- $30.52 - $52.25
- ROA (TTM)
- 0.97%
- ROE (TTM)
- 9.41%
Share Price Chart
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Performance
TRST Performance Chart
TrustCo Bank Corp NY (TRST) is up 27.1% since the beginning of the year. At $52 per share, TRST is currently trading at its 52-week high. Investors who bought $1,000 worth of TRST shares 5 years ago would now be looking at an investment worth $1,719.
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Returns By Period
TrustCo Bank Corp NY (TRST) has returned 27.08% so far this year and 72.32% over the past 12 months. Over the last ten years, TRST has returned 9.03% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
TrustCo Bank Corp NY
- 1D
- 2.16%
- 1M
- 9.55%
- YTD
- 27.08%
- 6M
- 21.13%
- 1Y
- 72.32%
- 3Y*
- 25.97%
- 5Y*
- 11.44%
- 10Y*
- 9.03%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.68%
- YTD
- 11.16%
- 6M
- 11.10%
- 1Y
- 27.46%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
TRST Monthly Returns History
Based on dividend-adjusted daily data since Mar 26, 1990, TRST's average daily return is +0.05%, while the average monthly return is +0.77%. At this rate, an investment would double in approximately 7.5 years.
Historically, 53% of months were positive and 47% were negative. The best month was Jul 2024 with a return of +23.8%, while the worst month was Jan 2009 at -29.6%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TRST closed higher 45% of trading days. The best single day was Aug 20, 1996 with a return of +19.0%, while the worst single day was Aug 22, 1996 at -18.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.01% | -0.07% | 1.82% | 8.73% | 8.84% | 0.50% | 27.08% | ||||||
| 2025 | -3.45% | 2.64% | -6.59% | -0.10% | 1.94% | 8.92% | 0.42% | 18.56% | -7.91% | 3.88% | 11.72% | -1.04% | 29.30% |
| 2024 | -6.92% | -4.31% | 3.19% | -5.47% | 4.43% | 4.85% | 23.77% | -2.16% | -4.05% | -0.27% | 12.92% | -9.66% | 12.44% |
| 2023 | -4.47% | 4.32% | -13.90% | -6.57% | -7.41% | 4.91% | 6.22% | -5.12% | -4.14% | -6.45% | 6.53% | 15.69% | -13.27% |
| 2022 | 1.77% | 0.80% | -5.59% | -2.44% | 3.40% | -3.20% | 8.82% | -0.66% | -4.76% | 18.78% | 4.07% | -2.31% | 17.58% |
| 2021 | -6.75% | 10.61% | 8.14% | -0.75% | 6.99% | -11.33% | -2.18% | -4.58% | 0.69% | 4.97% | -2.68% | 3.10% | 3.97% |
Benchmark Metrics
TrustCo Bank Corp NY has an annualized alpha of 3.28%, beta of 0.92, and R2 of 0.22 versus S&P 500 Index. Calculated based on daily prices since March 27, 1990.
- This stock participated in 70.99% of S&P 500 Index downside but only 65.31% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.22 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 3.28%
- Beta
- 0.92
- R²
- 0.22
- Upside Capture
- 65.31%
- Downside Capture
- 70.99%
Return for Risk
Risk / Return Rank
TRST ranks 93 for risk / return — in the top 93% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for TrustCo Bank Corp NY (TRST) and compare them to S&P 500 Index.
| TRST | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 3.10 | 2.39 | +0.71 |
Sortino ratioReturn per unit of downside risk | 3.87 | 3.25 | +0.61 |
Omega ratioGain probability vs. loss probability | 1.50 | 1.43 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 5.44 | 3.11 | +2.33 |
Martin ratioReturn relative to average drawdown | 16.92 | 14.38 | +2.54 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
TrustCo Bank Corp NY provided a 2.88% dividend yield over the last twelve months, with an annual payout of $1.50 per share. The company has been increasing its dividends for 15 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.50 | $1.48 | $1.44 | $1.44 | $1.41 | $1.37 | $1.36 | $1.36 | $1.34 | $1.31 | $1.31 | $1.31 |
Dividend yield | 2.88% | 3.58% | 4.32% | 4.64% | 3.75% | 4.12% | 4.09% | 3.14% | 3.90% | 2.85% | 3.00% | 4.28% |
Monthly Dividends
The table displays the monthly dividend distributions for TrustCo Bank Corp NY. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.38 | $0.00 | $0.00 | $0.00 | $0.38 | ||||||
| 2025 | $0.00 | $0.00 | $0.36 | $0.00 | $0.00 | $0.36 | $0.00 | $0.00 | $0.38 | $0.00 | $0.00 | $0.38 | $1.48 |
| 2024 | $0.00 | $0.36 | $0.00 | $0.00 | $0.00 | $0.36 | $0.00 | $0.00 | $0.36 | $0.00 | $0.00 | $0.36 | $1.44 |
| 2023 | $0.00 | $0.00 | $0.36 | $0.00 | $0.00 | $0.36 | $0.00 | $0.36 | $0.00 | $0.00 | $0.36 | $0.00 | $1.44 |
| 2022 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.36 | $1.41 |
| 2021 | $0.00 | $0.00 | $0.34 | $0.00 | $0.00 | $0.34 | $0.00 | $0.00 | $0.34 | $0.00 | $0.00 | $0.35 | $1.37 |
Dividend Yield & Payout
Dividend Yield
TrustCo Bank Corp NY has a dividend yield of 2.88%, which is quite average when compared to the overall market.
Payout Ratio
TrustCo Bank Corp NY has a payout ratio of 43.74%, which is quite average when compared to the overall market. This suggests that TrustCo Bank Corp NY strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the TrustCo Bank Corp NY. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the TrustCo Bank Corp NY was 66.08%, occurring on Aug 19, 2011. Recovery took 1537 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2011 bear market2011 | -66.08%Aug 2011 | 2y 11mo | 6y 1mo | 9y 8dSep 2008 - Sep 2017 |
COVID crash2020 | -49.48%Mar 2020 | 3mo 1d | 4y 7mo | 4y 10moDec 2019 - Nov 2024 |
Financial crisis2007–2009 | -39.78%Jul 2008 | 3y 7mo | 2mo 5d | 3y 9moDec 2004 - Sep 2008 |
Dot-com crash2000–2002 | -35.39%Sep 2002 | 11mo 26d | 1y 1mo | 2y 1moOct 2001 - Nov 2003 |
Rate-hike selloffLate 2018 | -30.02%Dec 2018 | 1y 19d | 12mo 3d | 2y 17dNov 2017 - Dec 2019 |
Drawdown Indicators
| TRST | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -66.08% | -56.78% | -9.30% |
Max Drawdown (1Y)Largest decline over 1 year | -14.11% | -9.10% | -5.01% |
Max Drawdown (3Y)Largest decline over 3 years | -26.24% | -18.90% | -7.34% |
Max Drawdown (5Y)Largest decline over 5 years | -34.25% | -25.43% | -8.82% |
Max Drawdown (10Y)Largest decline over 10 years | -49.48% | -33.92% | -15.56% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -19.13% | -10.72% | -8.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.53% | 1.97% | +2.56% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of TrustCo Bank Corp NY over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how TrustCo Bank Corp NY is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for TRST, comparing it with other companies in the Banks - Regional industry. Currently, TRST has a P/E ratio of 15.3. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for TRST compared to other companies in the Banks - Regional industry. TRST currently has a PEG ratio of 5.3. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for TRST relative to other companies in the Banks - Regional industry. Currently, TRST has a P/S ratio of 4.5. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for TRST in comparison with other companies in the Banks - Regional industry. Currently, TRST has a P/B value of 1.4. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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