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Trustco Bank

NSQ:TRST · US8983492047
BanksSmall

360

32
Medium confidence — indicative
Profit price16
Cash yield1
Price/Sales5
EV / Gross Profit91
Price/Book15
Returns on capital46
Profit margins—
Cash Conversion35
Accruals45
Owner Earnings Margin57
Sales growth27
Profit Growth39
Owner Earnings Growth67
Reinvestment65
Price momentum98
Debt load92
Debt serviceability63
Liquidity82
Analyst ratings1
Expectations trend50
Market mood85
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Trustco Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1981
Websitetrustcobank.q4ir.com/corporate-overview/corporate-profile/default.aspx
ISINUS8983492047
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

TrustCo Bank Corp NY is a savings and loan holding company. The company’s principal subsidiary, Trustco Bank (also referred to as the ‘Bank’), is a federal savings bank engaged in providing general banking services to individuals and businesses. Th…

Analysis

Middle-of-the-road

TrustCo Bank Corp NY sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.2×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
81
2023202420252026

All-time high

86

Mar 2026

All-time low

25

Jan 2023

Average rank

55

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
5
44
47
59
Price/Earnings
31
59
62
65
Price/Book
15
80
74
74
Dividend Yield
1
81
80
79
Value (overall)
1
89
82
73

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →