TRST$39.8
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Powered by LiveAIOverall Analysis
BuyTrustCo Bank Corp NY exhibits strong fundamental performance, particularly in its profitability and dividend yield, coupled with a stable balance sheet. Thematic tailwinds are moderate, and technical indicators suggest a neutral to slightly bearish short-term outlook, making it a solid choice for income-focused investors.
Thematic
As a regional bank, TrustCo operates in a mature industry with moderate growth prospects. Its focus on traditional banking services provides stability but limits exposure to high-growth technology trends.
Fundamental
TrustCo Bank demonstrates robust profitability, consistent revenue generation, and a healthy dividend yield. Its balance sheet is strong with manageable debt levels.
Technical
Current technical indicators show mixed signals. While some moving averages suggest a bullish trend, oscillators indicate overbought conditions and bearish momentum on shorter timeframes.
| Factor | Score |
|---|---|
| Digital Transformation | 50 |
| Interest Rate Environment | 70 |
| Regional Economic Stability | 75 |
| Regulatory Environment | 60 |
| Market Leadership & Dominance | 40 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 95 |
| Growth | 55 |
| Balance Sheet Health | 98 |
| Cash Flow | 80 |
| Dividend Yield | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 50 |
| Momentum | 55 |
| Volume Confirmation | 60 |
| Support & Resistance | 50 |
| Short-term Oscillators | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Reasonable P/E Ratio
The Price-to-Earnings (P/E) ratio of 17.0 (TTM) is within a reasonable range, suggesting the stock is not excessively overvalued relative to its current earnings.
Positive Free Cash Flow
The company generated a free cash flow of $54.56 million in Q4 2024, indicating strong operational cash generation which can be used for reinvestment, debt reduction, or shareholder returns.
Bearish Points (7)
Increasing P/S Ratio
The Price-to-Sales (P/S) ratio has increased from 3.0 in 2021 to 4.9 (TTM), potentially indicating that the market is valuing revenue more highly, which could be a concern if sales growth falters.
Declining Revenue and Net Income
Revenue has declined from $199.40 million in 2022 to $171.77 million in 2024, and Net Income has also decreased from $75.23 million to $48.83 million in the same period, signaling a negative growth trend.
Calendar
June 2025
6
Ex-Dividend Date
July 2025
1
Next Dividend Date
October 2025
21
Next Earnings Date
H: $
A: $
L: $
Profile
TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company 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, it operates 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. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.
Seasonals
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Direct peer in the New York and New Jersey metropolitan area with a similar asset size and traditional community banking focus.
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Strong regional bank competitor operating in TrustCo Bank's core New York market, offering similar services.
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New Jersey-based regional bank with a similar traditional banking model and focus on deposits and loans.