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TrustCo Bank Corp NY (TRST)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US8983492047
CUSIP
898349204
IPO Date
Mar 26, 1990

Highlights

Market Cap
$802.36M
Enterprise Value
$991.90M
EPS (TTM)
$3.26
PE Ratio
13.44
PEG Ratio
4.53
Total Revenue (TTM)
$210.26M
Gross Profit (TTM)
$138.55M
EBITDA (TTM)
$68.30M
Year Range
$27.18 - $48.45
ROA (TTM)
0.95%
ROE (TTM)
8.90%

Share Price Chart


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TrustCo Bank Corp NY

Often compared with TRST:
TRST vs. FUTY

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in TrustCo Bank Corp NY, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

TrustCo Bank Corp NY (TRST) has returned 6.85% so far this year and 49.25% over the past 12 months. Over the last ten years, TRST has returned 7.87% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


TrustCo Bank Corp NY

1D
1.51%
1M
1.82%
YTD
6.85%
6M
22.72%
1Y
49.25%
3Y*
16.23%
5Y*
7.84%
10Y*
7.87%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Mar 26, 1990, TRST's average daily return is +0.05%, while the average monthly return is +0.74%. At this rate, your investment would double in approximately 7.8 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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20265.01%-0.07%1.82%6.85%
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%
20221.77%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 3.19%, beta of 0.93, 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 64.52% 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
3.19%
Beta
0.93
0.22
Upside Capture
64.52%
Downside Capture
70.99%

Return for Risk

Risk / Return Rank

TRST ranks 87 for risk / return — in the top 87% 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.


TRST Risk / Return Rank: 8787
Overall Rank
TRST Sharpe Ratio Rank: 8989
Sharpe Ratio Rank
TRST Sortino Ratio Rank: 8686
Sortino Ratio Rank
TRST Omega Ratio Rank: 8484
Omega Ratio Rank
TRST Calmar Ratio Rank: 8888
Calmar Ratio Rank
TRST Martin Ratio Rank: 8888
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for TrustCo Bank Corp NY (TRST) and compare them to a chosen benchmark (S&P 500 Index).


TRSTBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.87

0.90

+0.97

Sortino ratio

Return per unit of downside risk

2.51

1.39

+1.12

Omega ratio

Gain probability vs. loss probability

1.33

1.21

+0.12

Calmar ratio

Return relative to maximum drawdown

3.49

1.40

+2.09

Martin ratio

Return relative to average drawdown

9.95

6.61

+3.34

Explore TRST risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

TrustCo Bank Corp NY provided a 3.43% 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.


3.00%3.50%4.00%4.50%$0.00$0.50$1.00$1.5020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
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

3.43%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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.38$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 3.43%, which is quite average when compared to the overall market.

Payout Ratio

TrustCo Bank Corp NY has a payout ratio of 44.76%, 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.

The current TrustCo Bank Corp NY drawdown is 4.46%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-66.08%Sep 22, 2008735Aug 19, 20111537Sep 28, 20172272
-49.48%Dec 23, 201962Mar 23, 20201165Nov 6, 20241227
-39.78%Dec 2, 2004910Jul 15, 200846Sep 18, 2008956
-35.39%Oct 4, 2001246Sep 25, 2002293Nov 21, 2003539
-30.02%Nov 30, 2017265Dec 19, 2018250Dec 17, 2019515

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.


Annual
Quarterly

0.0

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 13.4. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

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 4.5. 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 3.9. 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 1.2. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items