TrustCo Bank Corp NY (TRST) Key Metrics
TRST valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $924.8M
- Enterprise value
- $372.9M
- P/E (TTM)
- 15.1 10-yr median 12.3
- Forward P/E
- 14.0
- PEG ratio
- 0.63
- Price / sales
- 4.7 10-yr median 3.4
- Price / book
- 1.5 10-yr median 1.2
- EV / EBITDA
- — 10-yr median 5.2
- Dividend yield
- 2.95% $1.60 a year
- Beta
- 0.66
TRST key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsTRST valuation Price multiples at each fiscal year-end price.
TRST returns How much profit the business earns on the capital it uses.
TRST per-share figures Results divided by the shares outstanding at year-end.
TRST financial health Debt, liquidity and how easily interest is covered.
TRST efficiency & capital use Working capital cycle and where the cash goes.
TRST valuation history
TRST returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TRST debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TRST cash returned to shareholders
TRST price vs earnings per share
TRST key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $757.5M | $634.1M | $590.7M | $719.2M | $641.7M | $643.8M | $840.3M | $663.0M | $885.2M | $836.9M |
| Enterprise value | $620.4M | $414.5M | $222.6M | $488.6M | $483.0M | $425.0M | $423.5M | $274.2M | $512.1M | $377.3M |
| P/E ratio | 12.4 | 13.0 | 10.1 | 9.6 | 10.4 | 12.3 | 14.5 | 10.8 | 20.5 | 19.6 |
| Price / sales | 2.7 | 2.4 | 2.4 | 3.5 | 3.5 | 3.3 | 4.0 | 3.3 | 4.7 | 4.6 |
| Price / book | 1.1 | 0.9 | 0.9 | 1.2 | 1.1 | 1.1 | 1.6 | 1.4 | 1.9 | 1.9 |
| Price / free cash flow | 16.6 | 11.6 | 10.1 | 9.6 | 12.2 | 11.0 | 14.0 | 10.4 | 15.2 | 15.8 |
| Price / operating cash flow | 13.1 | 10.7 | 9.2 | 9.1 | 11.6 | 10.4 | 13.2 | 9.8 | 14.3 | 15.2 |
| EV / sales | 2.2 | 1.6 | 0.9 | 2.4 | 2.6 | 2.2 | 2.0 | 1.4 | 2.7 | 2.1 |
| EV / EBITDA | 6.7 | 5.5 | 2.5 | 4.4 | 5.2 | 5.3 | 4.9 | 3.3 | 6.4 | 5.2 |
| EV / free cash flow | 13.6 | 7.6 | 3.8 | 6.5 | 9.2 | 7.3 | 7.1 | 4.3 | 8.8 | 7.1 |
| Earnings yield | 8.1% | 7.7% | 9.9% | 10.5% | 9.6% | 8.1% | 6.9% | 9.3% | 4.9% | 5.1% |
| Free cash flow yield | 6.0% | 8.6% | 9.9% | 10.4% | 8.2% | 9.1% | 7.1% | 9.7% | 6.6% | 6.3% |
| Dividend yield | 3.6% | 4.3% | 4.6% | 3.8% | 4.1% | 4.1% | 3.1% | 3.9% | 2.8% | 3.0% |
| Shareholder yield (dividends + buybacks) | 8.7% | 4.4% | 4.9% | 4.7% | 4.5% | 4.6% | 3.1% | 4.0% | 3.4% | 3.1% |
| Share price at fiscal year-end | $41.33 | $33.31 | $31.05 | $37.59 | $33.31 | $33.35 | $43.35 | $34.30 | $46.00 | $43.75 |
| Per share | ||||||||||
| Revenue per share | $15.19 | $13.82 | $12.85 | $10.76 | $9.65 | $10.13 | $10.87 | $10.30 | $9.73 | $9.43 |
| Earnings per share | $3.34 | $2.57 | $3.08 | $3.93 | $3.19 | $2.72 | $2.98 | $3.18 | $2.24 | $2.23 |
| Operating cash flow per share | $3.14 | $3.12 | $3.37 | $4.11 | $2.87 | $3.22 | $3.29 | $3.50 | $3.21 | $2.87 |
| Free cash flow per share | $2.50 | $2.87 | $3.07 | $3.91 | $2.73 | $3.02 | $3.09 | $3.31 | $3.02 | $2.76 |
| Cash per share | $16.01 | $18.10 | $26.36 | $27.44 | $23.68 | $25.19 | $32.09 | $28.49 | $32.01 | $34.98 |
| Book value per share | $37.46 | $35.53 | $33.92 | $31.36 | $31.21 | $29.43 | $27.77 | $25.34 | $23.82 | $22.62 |
| Tangible book value per share | $37.46 | $35.53 | $33.92 | $31.36 | $31.21 | $29.43 | $27.77 | $25.34 | $23.82 | $22.62 |
| Dividends per share | $1.51 | $1.44 | $1.44 | $1.41 | $1.36 | $1.36 | $1.36 | $1.32 | $1.31 | $1.31 |
| Capex per share | $0.65 | $0.26 | $0.30 | $0.20 | $0.15 | $0.20 | $0.20 | $0.19 | $0.19 | $0.11 |
| Debt per share | $8.54 | $6.56 | $7.02 | $15.39 | $15.44 | $13.86 | $10.59 | $8.38 | $12.63 | $10.95 |
| Shares outstanding | 18.3M | 19.0M | 19.0M | 19.1M | 19.3M | 19.3M | 19.4M | 19.3M | 19.2M | 19.1M |
| Change in shares outstanding | −3.7% | +0.1% | −0.6% | −0.7% | −0.2% | −0.4% | +0.3% | +0.4% | +0.6% | +0.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.0% | 7.4% | 9.4% | 12.5% | 10.5% | 9.5% | 11.3% | 13.0% | 9.7% | 10.1% |
| Return on invested capital (ROIC) | 12.2% | 13.3% | 18.1% | 18.5% | 15.5% | 22.3% | 52.0% | 66.0% | 148.2% | — |
| Return on assets (ROA) | 1.0% | 0.8% | 1.0% | 1.2% | 1.0% | 0.9% | 1.1% | 1.2% | 0.9% | 0.9% |
| Return on tangible assets | 0.9% | 0.8% | 1.0% | 1.3% | 1.0% | 0.9% | 1.1% | 1.2% | 0.9% | 0.9% |
| Free cash flow margin | 16.4% | 20.7% | 23.9% | 36.4% | 28.3% | 29.8% | 28.4% | 32.2% | 31.0% | 29.3% |
| Income quality (OCF / net income) | 0.94 | 1.22 | 1.09 | 1.05 | 0.90 | 1.19 | 1.10 | 1.10 | 1.43 | 1.29 |
| Financial health | ||||||||||
| Total debt | $156.4M | $124.9M | $133.5M | $294.4M | $297.4M | $267.5M | $205.2M | $161.9M | $243.0M | $209.4M |
| Cash & short-term investments | $293.5M | $344.5M | $501.6M | $524.9M | $456.1M | $486.3M | $622.0M | $550.7M | $616.1M | $669.1M |
| Net debt | −$137.0M | −$219.6M | −$368.1M | −$230.6M | −$158.7M | −$218.7M | −$416.8M | −$388.8M | −$373.1M | −$459.7M |
| Debt / equity | 0.23 | 0.18 | 0.21 | 0.49 | 0.49 | 0.47 | 0.38 | 0.33 | 0.53 | 0.48 |
| Debt / assets | 0.02 | 0.02 | 0.02 | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.05 | 0.04 |
| Net debt / EBITDA | −1.48 | −2.91 | −4.16 | −2.10 | −1.71 | −2.75 | −4.82 | −4.64 | −4.63 | −6.36 |
| Current ratio | 0.05 | 0.06 | 0.09 | 0.10 | 0.08 | 0.09 | 0.13 | 0.12 | 0.14 | 0.15 |
| Quick ratio | 0.05 | 0.06 | 0.09 | 0.10 | 0.08 | 0.09 | 0.13 | 0.12 | 0.14 | 0.15 |
| Interest coverage | 0.9 | 0.7 | 1.4 | 15.4 | 10.8 | 2.8 | 2.1 | 3.9 | 5.3 | 4.5 |
| Working capital | −$5.38B | −$5.13B | −$4.94B | −$4.95B | −$5.09B | −$4.79B | −$4.00B | −$3.92B | −$3.83B | −$3.77B |
| Invested capital | $549.6M | $456.8M | $277.2M | $369.4M | $442.5M | $349.4M | $121.5M | $101.0M | $85.2M | −$27.0M |
| Tangible asset value | $686.6M | $676.3M | $645.3M | $600.0M | $601.1M | $568.2M | $538.3M | $489.9M | $458.3M | $432.7M |
| Net current asset value | −$5.46B | −$5.22B | −$5.02B | −$4.88B | −$5.14B | −$4.85B | −$4.06B | −$3.92B | −$3.83B | −$3.77B |
| Graham number | $53.03 | $45.28 | $48.50 | $52.67 | $47.35 | $42.42 | $43.18 | $42.58 | $34.66 | $33.66 |
| Graham net-net per share | −$297.39 | −$274.09 | −$263.93 | −$71.01 | −$266.79 | −$251.11 | −$209.45 | −$202.67 | −$199.13 | −$196.81 |
| Capital allocation | ||||||||||
| Dividends paid | $27.6M | $27.4M | $27.4M | $27.0M | $26.3M | $26.3M | $26.4M | $25.6M | $25.2M | $25.1M |
| Share buybacks (net) | $38.1M | $374,000 | $1.5M | $7.0M | $2.6M | $3.5M | $35,000 | $718,000 | $4.6M | $701,000 |
| Dividend payout ratio | 45.2% | 56.1% | 46.7% | 35.9% | 42.7% | 50.2% | 45.6% | 41.6% | 58.4% | 58.8% |
| Dividends + buybacks / free cash flow | 143.8% | 50.9% | 49.5% | 45.4% | 55.0% | 51.1% | 44.1% | 41.1% | 51.3% | 48.8% |
| Capex / revenue | 4.3% | 1.9% | 2.3% | 1.8% | 1.5% | 2.0% | 1.8% | 1.8% | 1.9% | 1.1% |
| Capex / operating cash flow | 20.6% | 8.2% | 8.8% | 4.8% | 5.1% | 6.2% | 6.1% | 5.4% | 5.9% | 3.7% |
| Capex / depreciation | 1.04 | 0.43 | 0.53 | 0.36 | 0.27 | 0.38 | 0.39 | 0.89 | 0.95 | 0.51 |
| Stock-based compensation / revenue | 0.5% | 0.3% | 0.0% | 1.4% | −0.7% | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% |
| SG&A / revenue | 23.5% | 20.5% | 23.5% | 24.8% | 28.9% | 25.5% | 24.2% | 24.1% | 25.3% | 24.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 18.1 | — | — | 8,310.5 | — | — | — | — | — | — |
| Days of inventory on hand | — | — | — | 72.2 | 77.6 | 12.8 | 16.3 | 41.5 | 82.6 | 107.2 |
| Days payables outstanding | — | — | — | 158,002.9 | 455,135.8 | 26,969.9 | 22,426.9 | 559.3 | 703.2 | 606.2 |
| Cash conversion cycle (days) | — | — | — | -149,620.2 | — | — | — | — | — | — |
| Receivables turnover | 20.13 | — | — | 0.04 | — | — | — | — | — | — |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.01 | 0.02 | 0.65 | 0.52 | 0.60 |
| Inventory turnover | — | — | — | 5.06 | 4.70 | 28.59 | 22.42 | 8.79 | 4.42 | 3.40 |
| Asset turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $13.8M | — | — | $4.69B | — | — | — | — | — | — |
| Average payables | — | — | — | $2.65B | $2.65B | $2.24B | $2.24B | $33.1M | $32.0M | $30.3M |
| Average inventory | — | — | — | $1.2M | $451,500 | $1.1M | $1.6M | $2.5M | $3.8M | $5.4M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from TRST's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TRST valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), TrustCo Bank Corp NY traded at 12.4 times earnings, against a 10-year median of 12.3. Based on the latest twelve months, the trailing P/E is 15.1 and the forward P/E is 14.0. TrustCo Bank Corp NY earned a return on equity of 9.0% and a return on invested capital of 12.2% in fiscal 2025. It ended the year with $156.4 million of debt and $293.5 million in cash and short-term investments, a net cash position of $137.0 million. It returned $65.8 million to shareholders: $27.6 million in dividends and $38.1 million in share buybacks, 144% of free cash flow. The share count fell 4.2% from 19.1M to 18.3M over 9 years.
See the TRST income statement, the TRST chart for price history, or the TRST stock overview for the latest quote and news.
TRST key metrics FAQ
What is TrustCo Bank Corp NY's P/E ratio?
TrustCo Bank Corp NY's trailing P/E ratio is 15.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 14.0. At the end of fiscal 2025 it was 12.4, compared with a 10-year median of 12.3.
What is TrustCo Bank Corp NY's EV/EBITDA?
TrustCo Bank Corp NY's enterprise value was 6.7 times EBITDA at the end of fiscal 2025 (enterprise value $620.4 million, EBITDA $92.7 million).
What is TrustCo Bank Corp NY's return on equity?
TrustCo Bank Corp NY's return on equity (ROE) was 9.0% in fiscal 2025: net income of $61.1 million on average shareholders' equity of $681.5 million.
What is TrustCo Bank Corp NY's ROIC?
TrustCo Bank Corp NY's return on invested capital was 12.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does TrustCo Bank Corp NY have?
TrustCo Bank Corp NY had total debt of $156.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.23 and more cash than debt.
What is TrustCo Bank Corp NY's dividend yield?
TrustCo Bank Corp NY's forward dividend yield is 2.95%. TrustCo Bank Corp NY paid $27.6 million in dividends in fiscal 2025 ($1.51 per share), a payout ratio of 45.2%.
Does TrustCo Bank Corp NY buy back its shares?
Yes. TrustCo Bank Corp NY spent $38.1 million on net share repurchases in fiscal 2025 Shares outstanding changed −3.7% over the year, to 18.3M..
What is TrustCo Bank Corp NY's free cash flow yield?
TrustCo Bank Corp NY generated $45.7 million of free cash flow in fiscal 2025, a free cash flow yield of 6.0% on its market value at year-end ($757.5 million).
What is TrustCo Bank Corp NY's current ratio?
TrustCo Bank Corp NY's current ratio was 0.05 at the end of fiscal 2025: current assets were 0.05 times current liabilities.