Trustco bank corp ny TRST.US Overview
TRST AI Analysis & Strategy
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TRST Current Performance
-1.34%
Trustco bank corp ny
-0.66%
Avg of Sector
-0.13%
S&P500
TRST Key Information
TRST Revenue by Segments
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TRST Net Income
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TRST Cash Flow
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TRST Profit Margin
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TRST PE Ratio River
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TRST Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
TRST Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
TRST Profile
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It 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, the company serves 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. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.
Price of TRST
TRST FAQ
When is TRST's latest earnings report released?
The most recent financial report for Trustco bank corp ny (TRST) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating TRST's short-term business performance and financial health. For the latest updates on TRST's earnings releases, visit this page regularly.
Where does TRST fall in the P/E River chart?
According to historical valuation range analysis, Trustco bank corp ny (TRST)'s current price-to-earnings (P/E) ratio is 10.54, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of TRST?
According to the latest financial report, Trustco bank corp ny (TRST) reported an Operating Profit of -18.72M with an Operating Margin of 29.8% this period, representing a decline of 213.58% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is TRST's revenue growth?
In the latest financial report, Trustco bank corp ny (TRST) announced revenue of -62.82M, with a Year-Over-Year growth rate of -246.29%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does TRST have?
At the end of the period, Trustco bank corp ny (TRST) held Total Cash and Cash Equivalents of 45.22M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does TRST go with three margins increasing?
In the latest report, Trustco bank corp ny (TRST) did not achieve the “three margins increasing” benchmark, with a gross margin of 71.71%%, operating margin of 29.8%%, and net margin of -23.94%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess TRST's profit trajectory and future growth potential.
Is TRST's EPS continuing to grow?
According to the past four quarterly reports, Trustco bank corp ny (TRST)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -0.75. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of TRST?
Trustco bank corp ny (TRST)'s Free Cash Flow (FCF) for the period is -3.27M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 134.75% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of TRST?
The latest valuation data shows Trustco bank corp ny (TRST) has a Price-To-Earnings (PE) ratio of 10.54 and a Price/Earnings-To-Growth (PEG) ratio of -0.05. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.