📊 TRST Key Takeaways
Is Trustco Bank Corp. N Y (TRST) a Good Investment?
TRUSTCO demonstrates strong revenue growth (+53.5% YoY) and robust profitability margins (24.6% net margin), supported by a fortress balance sheet with zero debt and substantial cash reserves. However, critically low returns on equity (2.4%) and assets (0.3%), combined with interest coverage of only 0.9x, indicate severe capital inefficiency and potential operational challenges that overshadow near-term growth gains.
Trustco Bank Corp. N Y Key Strengths (TRST)
- Exceptional revenue growth of 53.5% YoY with net income growing 25.2% YoY demonstrates strong momentum
- Fortress balance sheet: zero debt, $768.1M cash, debt-to-equity of 0.00x provides financial stability
- High profitability margins: 32.6% operating margin and 24.6% net margin show effective cost control
- Positive free cash flow generation of $10.2M with 15.4% FCF margin
TRST Stock Risks: Trustco Bank Corp. N Y Investment Risks
- Critically low ROE of 2.4% and ROA of 0.3% indicate severe capital inefficiency for a regional bank (below industry norms of 8-12% and 0.8-1.2%)
- Interest coverage ratio of 0.9x suggests operating income may be insufficient to cover interest obligations, indicating potential asset quality or operational stress
- Returns metrics suggest the company is not effectively deploying its $6.5B asset base to generate shareholder value
- Insider activity limited to only 2 Form 4 filings in 90 days may indicate limited management confidence
Key Metrics to Watch
- Return on Equity trending—needs to move toward 8%+ to indicate improving capital efficiency
- Interest coverage ratio—critical that it rises above 1.5x to confirm interest expense sustainability
- Net Interest Margin (NIM)—key driver of bank profitability, monitor for compression or expansion
- Non-performing loan (NPL) ratio—would explain low ROA if asset quality has deteriorated
- Operating efficiency ratio—assess whether margin expansion can continue without compromising returns
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 grade of B with 62% 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 growing 25.2% YoY demonstrates strong momentum. Fortress balance sheet: zero debt, $768.1M cash, debt-to-equity of 0.00x provides financial stability.
What are the risks of investing in TRST?
Claude: Critically low ROE of 2.4% and ROA of 0.3% indicate severe capital inefficiency for a regional bank (below industry norms of 8-12% and 0.8-1.2%). Interest coverage ratio of 0.9x suggests operating income may be insufficient to cover interest obligations, indicating potential asset quality or operational stress.
What is TRST's revenue and growth?
Trustco Bank Corp. N Y reported revenue of $66.2M.
Does TRST pay dividends?
Trustco Bank Corp. N Y pays dividends, with $6.8M 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 $0.91.
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 grade reflects both perspectives for balanced insights.
What is TRST's fundamental grade?
Based on our AI fundamental analysis in June 2026, Trustco Bank Corp. N Y has a B grade with 62% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TRST stock overvalued or undervalued?
Valuation metrics for TRST: ROE of 2.4% (sector avg: 12%), net margin of 24.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TRST's AI grade for 2026?
Our dual AI analysis gives Trustco Bank Corp. N Y a combined B grade 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 $11.8M, with capital expenditures of $1.6M. FCF margin is 15.4%.
How does TRST compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.6% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).