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TRST 
TrustCo Bank Corp NY (TRST)
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Upturn Advisory Summary
11/05/2025: TRST (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -2.41% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 634.31M USD | Price to earnings Ratio 12.44 | 1Y Target Price 26 |
Price to earnings Ratio 12.44 | 1Y Target Price 26 | ||
Volume (30-day avg) - | Beta 0.65 | 52 Weeks Range 26.59 - 37.63 | Updated Date 06/29/2025 |
52 Weeks Range 26.59 - 37.63 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.32% | Basic EPS (TTM) 2.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.3% | Operating Margin (TTM) 44.25% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 7.63% |
Valuation
Trailing PE 12.44 | Forward PE - | Enterprise Value -1229370 | Price to Sales(TTM) 3.65 |
Enterprise Value -1229370 | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 4.3 | Enterprise Value to EBITDA - | Shares Outstanding 19019700 | Shares Floating 18414541 |
Shares Outstanding 19019700 | Shares Floating 18414541 | ||
Percent Insiders 3.38 | Percent Institutions 78.2 |
Upturn AI SWOT
TrustCo Bank Corp NY
Company Overview
History and Background
TrustCo Bank Corp NY, founded in 1902, started as a savings and loan association in Schenectady, New York. It has grown through organic expansion and acquisitions, primarily focusing on community banking in New York and Florida.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Banking: Provides commercial loans, lines of credit, and deposit services to businesses.
- Wealth Management: Offers investment management, trust, and financial planning services.
Leadership and Structure
Robert J. Funiciello serves as the President and CEO. The company has a traditional hierarchical structure with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. While specific market share data is not readily available, TrustCo competes with larger national banks and mortgage companies. Competitors include JPM, WFC and BAC.
- Commercial Loans: Provides loans to businesses for various purposes, including working capital and equipment financing. Competitors include large national and regional banks. Competitors include JPM, C, and USB.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share is regional and varies by branch location. Competitors include regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
TrustCo Bank Corp NY positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include a strong presence in its target markets and a conservative lending approach.
Total Addressable Market (TAM)
The TAM for banking services in TrustCo's operating regions is estimated to be in the billions of dollars. TrustCo focuses on capturing a share of this market through its community banking model and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Established presence in target markets
- Loyal customer base
- Efficient operations
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Lower brand recognition compared to larger banks
- Limited technology investments
- Revenue concentration
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management services
- Increasing interest rates
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
TrustCo Bank Corp NY faces competition from larger national banks, regional banks, and credit unions. Its competitive advantages include its local presence and personalized service. However, it faces challenges related to scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: TrustCo Bank Corp NY has experienced steady but moderate growth over the past years, driven by organic expansion and selective acquisitions.
Future Projections: Analysts expect TrustCo Bank Corp NY to continue to grow at a modest pace, with revenue growth driven by loan growth and fee income. Earnings are expected to benefit from higher interest rates.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion into new markets in Florida.
Summary
TrustCo Bank Corp NY is a financially stable community bank with a strong presence in its target markets. Its conservative lending practices and loyal customer base provide a solid foundation for future growth. However, the company faces challenges related to increased competition and the need to invest in technology.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. The accuracy of the data is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TrustCo Bank Corp NY
Exchange NASDAQ | Headquaters Glenville, NY, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Chairman of the Board Mr. Robert Joseph McCormick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 740 | Website https://www.trustcobank.com |
Full time employees 740 | Website https://www.trustcobank.com | ||
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.
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