TrustCo Bank Corp NY (TRST) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
TrustCo Bank Corp NY stock (TRST) is currently trading at $43.17. TrustCo Bank Corp NY PE ratio is 13.23. TrustCo Bank Corp NY PS ratio (Price-to-Sales) is 4.18. Analyst consensus price target for TRST is $26.00. WallStSmart rates TRST as Moderate Buy.
- TRST PE ratio analysis and historical PE chart
- TRST PS ratio (Price-to-Sales) history and trend
- TRST intrinsic value — DCF, Graham Number, EPV models
- TRST stock price prediction 2025 2026 2027 2028 2029 2030
- TRST fair value vs current price
- TRST insider transactions and insider buying
- Is TRST undervalued or overvalued?
- TrustCo Bank Corp NY financial analysis — revenue, earnings, cash flow
- TRST Piotroski F-Score and Altman Z-Score
- TRST analyst price target and Smart Rating
TrustCo Bank Corp NY
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TRST Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · TrustCo Bank Corp NY (TRST)
TRST trades at a significant discount to its Graham intrinsic value of $140.87, offering a 68% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
TrustCo Bank Corp NY (TRST) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
TrustCo Bank Corp NY (TRST) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $47 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
80.77% of shares held by major funds and institutions
Trading at 1.10x book value, attractively priced
Strong earnings growth at 27.00% per year
Supporting Valuation Data
TrustCo Bank Corp NY (TRST) Areas to Watch (4)
Low profitability relative to shareholder equity
Premium valuation at 4.2x annual revenue
Small-cap company with higher risk but more growth potential
Solid revenue growth at 10.30% per year
Supporting Valuation Data
TrustCo Bank Corp NY (TRST) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (0.63), Price/Book (1.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.00%, Profit Margin at 31.30%. Growth metrics are encouraging with EPS Growth at 27.00%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Market Cap. Some valuation metrics including Price/Sales (4.18) suggest expensive pricing. Growth concerns include Revenue Growth at 10.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.35%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.35% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TRST Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TRST's Price-to-Sales ratio of 4.18x trades 375% above its historical average of 0.88x (96th percentile), historically expensive. The current valuation is 4% below its historical high of 4.36x set in Mar 2026, and 872% above its historical low of 0.43x in Aug 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for TrustCo Bank Corp NY (TRST) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
TrustCo Bank Corp NY is a mature, profitable business with steady cash generation. Revenue reached 181M with 10% growth year-over-year. Profit margins are strong at 31.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.3% and operating margin of 47.0% demonstrate strong pricing power and operational efficiency.
Generating 14M in free cash flow and 16M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact TrustCo Bank Corp NY.
Bottom Line
TrustCo Bank Corp NY is a well-established business delivering consistent profitability with 31.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(1 last 3 months)
| Insider | Type | Shares |
|---|---|---|
CURLEY, KEVIN M EXECUTIVE VICE PRESIDENT & COO | Buy | +588 |
Data sourced from SEC Form 4 filings
Last updated: 10:04:34 AM
About TrustCo Bank Corp NY(TRST)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
TrustCo Bank Corp NY is the holding company of Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is headquartered in Glenville, New York.