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Upturn AI SWOT - About
TRST 
TrustCo Bank Corp NY (TRST)
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Upturn Advisory Summary
08/14/2025: 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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.17% | Avg. Invested days 34 | 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 08/14/2025 |
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 was founded in 1902 as the Schenectady Trust Company. It has grown organically and through acquisitions, evolving into a full-service community bank focused on serving the needs of individuals, families, and businesses in New York and Florida.
Core Business Areas
- Banking: Provides a range of banking services, including checking and savings accounts, loans, mortgages, and investment services.
- Wealth Management: Offers wealth management and financial planning services to individuals and families.
- Commercial Lending: Provides loans and other financial services to businesses.
Leadership and Structure
Robert J. McCormick serves as the President and CEO. The organizational structure includes various departments responsible for different aspects of banking operations, such as lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share data not publicly available. Competitors include large national banks and regional mortgage lenders.
- Commercial Loans: Provides loans to businesses for various purposes. Market share data not publicly available. Competitors include other regional banks and credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and local credit unions. Market share data is not typically available for specific deposit account types on a granular level.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
TrustCo Bank Corp NY is positioned as a community-focused bank, emphasizing personal service and local decision-making. Its competitive advantage lies in its strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in TrustCo's operating regions is substantial, estimated at billions of dollars. TrustCo's market position is primarily regional, capturing a smaller portion of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Conservative lending practices
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic reach
- Reliance on traditional banking channels
- Lower technological adoption compared to larger banks
- Smaller scale compared to national competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks or credit unions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- KEY
- CMA
Competitive Landscape
TrustCo Bank Corp NY faces competition from larger national banks and regional competitors. Its competitive advantage lies in its community focus and strong customer relationships. Its smaller size presents challenges in terms of scale and resources.
Growth Trajectory and Initiatives
Historical Growth: TrustCo Bank Corp NY has experienced steady, organic growth over the past decade, primarily driven by expansion in its core markets.
Future Projections: Analysts project continued growth for TrustCo Bank Corp NY, driven by increasing demand for banking services and wealth management. Revenue Growth Forecast: [2.5, 2.6, 2.7] (%)
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new geographic markets.
Summary
TrustCo Bank Corp NY is a stable and conservatively managed community bank with a long history. It benefits from strong customer relationships and local market knowledge. However, its smaller size and limited geographic reach pose challenges. Future success depends on adapting to technological changes and expanding its market presence.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Analyst estimates
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may be estimates and not exact figures.
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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