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TRST 
TrustCo Bank Corp NY (TRST)
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Upturn Advisory Summary
12/05/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 7.98% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/05/2025 |
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 (TRST) was founded in 1902 as the Home Savings Bank. It later rebranded to Trustco Bank in 1995 and became a publicly traded company. The bank has a long history of providing community-focused banking services in the northeastern United States.
Core Business Areas
- Community Banking: This segment encompasses traditional banking services, including deposit accounts (checking, savings, money market, CDs), consumer loans (mortgages, home equity, auto, personal), and small business loans.
- Commercial Banking: This segment offers a range of services to businesses, including commercial real estate loans, business lines of credit, and treasury management services.
- Wealth Management: This segment provides investment advisory services, trust services, and estate planning to individuals and businesses.
Leadership and Structure
TrustCo Bank Corp NY is led by a Board of Directors and an executive management team. Key positions include the Chairman and CEO, President, and Chief Financial Officer. The organizational structure is designed to support its community banking model across its branch network.
Top Products and Market Share
Key Offerings
- Mortgage Lending: Offers a variety of mortgage products for home purchases and refinancing. Competitors include national banks, regional banks, and independent mortgage companies. Specific market share data is not publicly disclosed for this product line by TRST.
- Deposit Accounts (Checking, Savings, CDs): Provides a range of deposit options for individuals and businesses. Competitors include virtually all financial institutions. Specific market share data is not publicly disclosed for this product line by TRST.
- Small Business Loans: Offers financing solutions to support small businesses. Competitors include other community banks, credit unions, and SBA lenders. Specific market share data is not publicly disclosed for this product line by TRST.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and subject to strict regulation. Key trends include digital transformation, evolving customer expectations for online and mobile banking, interest rate fluctuations impacting profitability, and consolidation within the sector. Community banks often compete by focusing on personalized service and local market knowledge.
Positioning
TrustCo Bank Corp NY is positioned as a community-focused bank operating primarily in New York and surrounding states. Its competitive advantages lie in its long-standing local presence, customer relationships, and a relatively low-cost operating model, which can translate to competitive deposit rates and loan pricing. However, it faces challenges competing with larger national banks that have greater resources and broader product offerings.
Total Addressable Market (TAM)
The TAM for community banking services in the US is substantial, encompassing trillions of dollars in deposits and loans. TrustCo Bank Corp NY's TAM is primarily within its geographic footprint, serving individuals and businesses in its operating regions. Its market share is a fraction of the overall TAM, characteristic of a regional community bank.
Upturn SWOT Analysis
Strengths
- Strong community presence and customer loyalty in its operating regions.
- Experienced management team with a deep understanding of local markets.
- Relatively low-cost operating model contributing to profitability.
- Stable deposit base.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Smaller scale compared to national and larger regional banks, potentially limiting product innovation and marketing reach.
- Reliance on traditional banking services, with potential for slower adoption of emerging fintech solutions.
Opportunities
- Expansion into adjacent geographic markets.
- Leveraging technology to enhance digital banking services and customer experience.
- Targeting underserved segments within its existing markets.
- Strategic partnerships or acquisitions to expand service offerings or market reach.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Rising interest rates impacting loan demand and potentially increasing funding costs.
- Regulatory changes and compliance costs.
- Economic recessions impacting loan quality and demand.
Competitors and Market Share
Key Competitors
- KeyCorp (KEY)
- M&T Bank Corporation (MTB)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
TrustCo Bank Corp NY faces intense competition. Its advantages lie in its localized approach and customer service. However, larger competitors benefit from greater economies of scale, broader product portfolios, and more extensive marketing budgets. The bank must continually focus on its niche to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historically, TrustCo Bank Corp NY has demonstrated steady, albeit not explosive, growth in its balance sheet and earnings. Growth has been driven by organic expansion within its core markets and prudent risk management.
Future Projections: Future growth projections for TrustCo Bank Corp NY are likely to be influenced by interest rate environments, the strength of regional economies, and the bank's ability to adapt to evolving customer preferences for digital banking. Analyst estimates would provide a quantitative outlook.
Recent Initiatives: Recent initiatives may include investments in technology to improve digital banking platforms, optimization of its branch network, and efforts to attract and retain talent. The company may also explore strategic opportunities to expand its service offerings or geographic reach.
Summary
TrustCo Bank Corp NY is a stable community bank with a long history and strong local presence, benefiting from a low-cost operating model and loyal customer base. Its consistent dividend payouts and conservative financial management are key strengths. However, it faces challenges from larger, more technologically advanced competitors and limited geographic diversification. Future success will depend on its ability to enhance digital offerings and adapt to evolving market demands while maintaining its community focus.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Analysis Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Data accuracy is subject to the availability and reliability of public information. Market share data is estimated and may not be precise. Investors should conduct their own due diligence before making any investment decisions.
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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