TRST
Financial ServicesTrustCo Bank Corp NY · Banks - Regional · $880M
What is TrustCo Bank Corp NY?
TrustCo Bank Corp NY is a small-cap financial holding company headquartered in Glenville, New York. Through its subsidiary Trustco Bank, it serves individuals and businesses across the northeastern United States and Florida.
TrustCo generates revenue primarily through traditional banking activities — accepting deposits and originating loans, with a particular emphasis on residential mortgage lending. It also operates as a real estate investment trust and offers wealth management, estate planning, trust administration, and custodial services. Its branch network spans New York, New Jersey, Vermont, Massachusetts, and Florida.
The company was founded in 1983 and is headquartered in Glenville, New York.
- Personal and business deposit accounts
- Residential mortgage loans and mortgage-backed securities
- Wealth management, estate planning, and trust services
- Employee benefit plan and corporate pension trust administration
Is TRST a Good Stock to Buy?
UQS Score rates TRST as Below Average overall, reflecting meaningful weaknesses across several key pillars.
On the positive side, TRST scores Good on both Quality and Valuation, suggesting the bank maintains reasonable operational fundamentals and does not appear richly priced relative to its profile.
However, the Moat, Growth, and Risk pillars all register as Weak — pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk factors worth examining closely.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does TRST pay dividends?
Yes — TrustCo Bank Corp NY pays a dividend.
TrustCo Bank pays a regular dividend, consistent with the income-oriented tradition of community and regional banks. For investors seeking steady income, this cadence can be appealing. The dividend reflects the bank's relatively mature business model rather than aggressive reinvestment into high-growth initiatives.
When does TRST report earnings?
TrustCo Bank Corp NY reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Given the Weak Growth and Risk pillar ratings, recent earnings cycles have likely reflected the pressures common to smaller regional banks — including interest rate sensitivity and modest loan growth. Profitability quality, however, remains relatively stable per the Good Quality rating.
For the most recent quarter's results, visit TrustCo Bank Corp NY's investor relations page directly.
TRST Price History
+47.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in TrustCo Bank Corp NY?
Based on TrustCo Bank Corp NY's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
TRST Long-term Outlook
The combination of Weak Growth and Weak Risk pillars suggests a cautious fundamental outlook for TRST. Community banks of this size face headwinds from margin compression, limited geographic diversification, and competition from larger institutions. The Good Valuation label indicates the market has already priced in much of this subdued trajectory, leaving limited upside catalyst without a meaningful shift in the growth or risk profile.
Growth drivers
- Potential expansion of mortgage lending in existing markets
- Wealth management and trust services as a fee-income diversifier
- Stable deposit base supporting consistent net interest income
Key risks
- Interest rate sensitivity affecting net interest margin
- Limited moat in a competitive regional banking landscape
- Concentration in northeastern real estate markets
TRST vs Peers
TRST operates in a crowded community and regional banking space alongside several similarly sized peers.
First Community Bankshares focuses on community banking across the mid-Atlantic and southeastern US, offering a broader geographic footprint than TRST's northeastern concentration.
Heritage Commerce operates primarily in the San Francisco Bay Area, giving it exposure to a higher-growth technology-driven economy compared to TrustCo's more traditional markets.
NB Bancorp is a newer public entrant focused on community banking in New England, competing directly with TrustCo in some overlapping northeastern markets.
Frequently Asked Questions
What does TrustCo Bank Corp NY do?
TrustCo Bank Corp NY is a holding company for Trustco Bank, a federal savings bank. It provides personal and business banking, residential mortgage lending, and wealth management services including trust administration and estate planning across New York, New Jersey, Vermont, Massachusetts, and Florida.
Does TRST pay dividends?
Yes, TrustCo Bank Corp NY pays a regular dividend. This is consistent with its mature, income-oriented community banking model. Investors should check the company's investor relations page for the current dividend rate and payment schedule.
When does TRST report earnings?
TrustCo Bank Corp NY follows a standard quarterly earnings reporting schedule. For exact dates of upcoming earnings releases, refer to the company's investor relations page or a financial calendar service.
Is TRST a good stock to buy?
UQS Score rates TRST as Below Average overall. While Quality and Valuation score Good, the Moat, Growth, and Risk pillars are all rated Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is TRST overvalued?
The UQS Valuation pillar for TRST is rated Good, suggesting the stock is not considered expensive relative to its fundamental profile. That said, a reasonable valuation does not offset the Weak Growth and Risk ratings — context across all five pillars matters.
How does TRST compare to its competitors?
Compared to peers like First Community Bankshares, Heritage Commerce Corp, and NB Bancorp, TRST is a small-cap community bank with a concentrated northeastern footprint. Its differentiation lies in its long operating history and trust services, though its moat rating suggests limited structural advantages over rivals.
What is TRST's market cap bracket?
TrustCo Bank Corp NY is classified as a small-cap company. This places it among smaller publicly traded banks, which typically carry different liquidity and volatility characteristics compared to large- or mega-cap financial institutions.
Who founded TrustCo Bank Corp NY?
TrustCo Bank Corp NY was established in 1983 as a holding company, though the banking operations it oversees trace their roots back to 1902. For detailed founding history, the company's official website and public filings are the most reliable sources.
Is TRST a long-term quality indicator?
As a long-term quality indicator, TRST's UQS profile presents a mixed picture. The Good Quality rating reflects reasonable operational fundamentals, but Weak Moat and Weak Growth suggest limited compounding potential over time. Long-term investors should weigh these factors carefully using the full UQS analysis.
What sector does TRST belong to?
TRST belongs to the Financial Services sector, specifically operating as a community and regional bank holding company. It competes in the traditional deposit-taking and mortgage lending segment, alongside trust and wealth management services.
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Pro Analysis
TRST — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 7, 2026 | 41.6 | 69.1 | 16.0 | 22.2 | 36.4 | 69.3 | 0.0 |
| May 3, 2026 | 41.6 | 69.1 | 16.0 | 22.2 | 36.4 | 69.7 | -0.2 |
| Apr 26, 2026 | 41.8 | 69.1 | 16.0 | 22.2 | 36.4 | 71.1 | 0.0 |
| Apr 19, 2026 | 41.8 | 69.1 | 16.0 | 22.2 | 36.4 | 70.7 | +0.1 |
| Apr 18, 2026 | 41.7 | 69.1 | 16.0 | 22.2 | 36.4 | 70.2 | -0.4 |
| Apr 14, 2026 | 42.1 | 69.1 | 16.0 | 22.2 | 36.4 | 72.8 | -12.1 |
| Apr 13, 2026 | 54.2 | 68.7 | 50.0 | 36.4 | 36.4 | 78.9 | +12.0 |
| Apr 12, 2026 | 42.2 | 69.1 | 16.0 | 22.2 | 36.4 | 73.4 | -0.2 |
| Apr 5, 2026 | 42.4 | 69.1 | 16.0 | 22.2 | 36.4 | 75.2 | -0.1 |
| Apr 2, 2026 | 42.5 | 69.1 | 16.0 | 22.2 | 36.4 | 75.5 | — |
TRST — Pillar Breakdown
Quality
— 73.7/100 (25%)TrustCo Bank Corp NY shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 58.1/100 (20%)TrustCo Bank Corp NY demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 36.4/100 (15%)TrustCo Bank Corp NY has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 74.2/100 (15%)TrustCo Bank Corp NY trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 16/100 (25%)TrustCo Bank Corp NY operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TRST.
Score Composition
Financial Data
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How is the TRST UQS Score Calculated?
The UQS (Unified Quality Score) for TrustCo Bank Corp NY is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses TrustCo Bank Corp NY's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether TrustCo Bank Corp NY is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.