TrustCo Bank Corp NY Common Stock (TRST)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

TrustCo is a 742-employee regional bank with a real-estate-heavy loan book, so I judge it on book value, return on equity, earnings consistency and credit discipline, not industrial cash flow. At the 2026-10-13 close of $54.21, FairStock calculates a P/E of 15.10, a P/B of 1.41 and ROE of 9.65%. For a bank earning less than 10% on equity, 1.41 times book is a fair-to-full price rather than a bargain; the 2.95% dividend yield and 0.66 beta add defensiveness but not a wide margin of safety. The filed numbers show recent improvement: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $17.0M and diluted EPS $0.98, versus $15.0M and $0.79 in fiscal Q2 2025, the quarter ended 2025-06-30. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $16.3M and diluted EPS $0.91. For FY2025, net income was $61.1M ($3.25 per diluted share), up from $48.8M ($2.57) in FY2024, though FY2023 was $58.6M ($3.08), so the longer record is uneven. FairStock's Lynch classification is slow grower, with its stated reason being profit growth of 3.1% a year over five years, and the PEG of 1.07 is only attractive if the recent pickup persists. The Piotroski F-score of 7/9 is respectable. However, CET1, net interest margin, nonperforming loans, reserve coverage and loan-to-deposit data are not provided; the combined ratio is not relevant for a bank. Without those bank-specific measures, I cannot verify credit or capital strength, so this looks like a fair-priced, modest-return regional bank, not an obvious value.

In plain English: TrustCo Bank Corp NY is a small regional bank that takes deposits and makes loans, with much of its lending tied to real estate. Its profits have picked up in recent quarters, but the business earns only modest returns and the stock has already risen from its low. At the recent price, the shares look fair rather than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer