📊 TRST Key Takeaways
Is Trustco Bank Corp. N Y (TRST) a Good Investment?
TrustCo Bank demonstrates exceptional fundamental strength with 53.5% YoY revenue growth and 25.2% net income growth, supported by excellent operating margins (31.2%) and a fortress balance sheet with zero long-term debt. However, the ROA of 0.9% and moderate ROE of 8.9% raise concerns about asset utilization efficiency and capital deployment effectiveness despite strong profitability.
Why Buy Trustco Bank Corp. N Y Stock? TRST Key Strengths
- Exceptional revenue growth of 53.5% YoY with net income growth of 25.2%, indicating strong business momentum
- Excellent profitability margins (operating margin 31.2%, net margin 23.6%) demonstrating pricing power and operational efficiency
- Fortress balance sheet with zero long-term debt, $730.4M cash position, and Debt/Equity of 0.00x providing substantial financial flexibility
- Strong EPS growth of 26.5% YoY outpacing revenue growth, suggesting operational leverage and effective capital management
- Positive free cash flow of $45.7M with 17.6% FCF margin enabling dividend sustainability and growth investment
TRST Stock Risks: Trustco Bank Corp. N Y Investment Risks
- ROA of only 0.9% is concerning even for banking sector, suggesting suboptimal asset utilization and efficiency challenges
- ROE of 8.9% is moderate and below industry standards, questioning capital deployment effectiveness despite strong profitability
- Interest coverage ratio of 3.5x provides limited buffer for interest obligations if earnings decline
- Revenue growth of 53.5% appears unsustainable long-term; reversion to historical rates could significantly impact forward guidance
- Banking sector exposure to interest rate cycles and credit quality deterioration poses macroeconomic vulnerability
Key Metrics to Watch
- Net Interest Margin (NIM) trend and sensitivity to interest rate changes
- Non-performing loan ratio and credit quality deterioration signals
- Loan growth rates and diversification across loan portfolios
- Deposit growth trends and cost of deposits in rising rate environment
- Operating efficiency ratio and expense management trajectory
- Return on Assets (ROA) improvement initiatives and timeline
- Capital adequacy ratios (Tier 1, Common Equity Tier 1) relative to regulatory minimums
Trustco Bank Corp. N Y (TRST) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
TRST Profit Margin, ROE & Profitability Analysis
TRST vs Finance Sector: How Trustco Bank Corp. N Y Compares
How Trustco Bank Corp. N Y compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Trustco Bank Corp. N Y Stock Overvalued? TRST Valuation Analysis 2026
Based on fundamental analysis, Trustco Bank Corp. N Y has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Trustco Bank Corp. N Y Balance Sheet: TRST Debt, Cash & Liquidity
TRST Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Trustco Bank Corp. N Y's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.08 reflects profitable operations.
TRST Revenue Growth, EPS Growth & YoY Performance
Trustco Bank Corp. N Y Dividends, Buybacks & Capital Allocation
TRST SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Trustco Bank Corp. N Y (CIK: 0000357301)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TRST
What is the AI rating for TRST?
Trustco Bank Corp. N Y (TRST) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TRST's key strengths?
Claude: Exceptional revenue growth of 53.5% YoY with net income growth of 25.2%, indicating strong business momentum. Excellent profitability margins (operating margin 31.2%, net margin 23.6%) demonstrating pricing power and operational efficiency.
What are the risks of investing in TRST?
Claude: ROA of only 0.9% is concerning even for banking sector, suggesting suboptimal asset utilization and efficiency challenges. ROE of 8.9% is moderate and below industry standards, questioning capital deployment effectiveness despite strong profitability.
What is TRST's revenue and growth?
Trustco Bank Corp. N Y reported revenue of $259.4M.
Does TRST pay dividends?
Trustco Bank Corp. N Y pays dividends, with $27.6M distributed to shareholders in the trailing twelve months.
Where can I find TRST SEC filings?
Official SEC filings for Trustco Bank Corp. N Y (CIK: 0000357301) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TRST's EPS?
Trustco Bank Corp. N Y has a diluted EPS of $3.25.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is TRST a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Trustco Bank Corp. N Y has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is TRST stock overvalued or undervalued?
Valuation metrics for TRST: ROE of 8.9% (sector avg: 12%), net margin of 23.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy TRST stock in 2026?
Our dual AI analysis gives Trustco Bank Corp. N Y a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TRST's free cash flow?
Trustco Bank Corp. N Y's operating cash flow is $57.6M, with capital expenditures of $11.9M. FCF margin is 17.6%.
How does TRST compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.6% (avg: 25%), ROE 8.9% (avg: 12%), current ratio N/A (avg: 1.2).