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Upturn AI SWOT - About
TRST 
TrustCo Bank Corp NY (TRST)
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Upturn Advisory Summary
06/30/2025: TRST (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $26
1 Year Target Price $26
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.05% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price 26 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TrustCo Bank Corp NY
Company Overview
History and Background
TrustCo Bank Corp NY was founded in 1902 as a savings and loan association. It has grown through organic expansion and acquisitions to become a leading community bank in New York and Florida.
Core Business Areas
- Banking Services: Provides traditional banking services including checking and savings accounts, loans, and mortgages to individuals and businesses.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Robert J. McCormick is the Chairman, President and CEO. The organizational structure is typical of a regional bank, with departments for retail banking, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share data is not publicly broken down by product for TrustCo, but residential mortgages are a significant portion of their loan portfolio. Competitors include large national banks (e.g., JPM, BAC) and other regional banks.
- Commercial Loans: Provides loans to small and medium-sized businesses. Market share data is not publicly broken down by product for TrustCo. Competitors include large national banks and other regional banks.
- Deposit Accounts: Offers various deposit accounts, including checking, savings, and money market accounts. Market share is difficult to obtain at a granular level but Trustco competes with national, regional and internet banks for deposits.
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased regulatory scrutiny, and technological disruption. Consolidation is also a continuing trend.
Positioning
TrustCo is positioned as a community-focused bank, emphasizing personal service and local decision-making. 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 geographic footprint (NY and FL) is substantial, estimated in the billions of dollars. TrustCo's position is that of a regional player with potential for further market penetration.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Established presence in target markets
- Customer focused
Weaknesses
- Limited geographic diversification
- Dependence on interest income
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- NBTB
- CVBF
- BHLB
Competitive Landscape
TrustCo's advantages lie in its community focus and conservative lending practices. Disadvantages include its smaller size and limited geographic reach compared to larger regional and national banks.
Major Acquisitions
No recent significant acquisitions
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: TrustCo has experienced steady, albeit modest, growth in assets and earnings over the past decade.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings, driven by organic expansion and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
TrustCo Bank Corp NY exhibits financial stability and consistent dividend payouts, anchored by its community-focused banking model. Its conservative lending approach and strong capital position are strengths, yet limited geographic diversification poses a risk. Strategic digital investments and wealth management growth are promising, but increasing competition and rising interest rates warrant careful navigation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Press Releases
- Analyst Reports
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial advisor.
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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