TrustCo Bank Corp NY (TRST)Financial Services | Banks - Regional | Glenville, United States | NasdaqGS
54.68 USD
|
Hot Take ↕ | July 11, 2026, 4:56 a.m. EDT
TrustCo Bank Corp NY presents a compelling case for a tactical swing trade rather than a blind value grab. The stock has successfully reversed its multi-year downtrend, posting a +14.69% gain last year and climbing back above its 200-day average, which validates the recent recovery thesis. Fundamentally, the company is healthy with a robust 47% operating margin and a sustainable 44% payout ratio, supported by a buyback program that signals management confidence. However, the valuation is not cheap; trading at nearly 16x trailing earnings and 5x sales, it commands a premium for its regional status. The short-term outlook is constructive, driven by technical momentum and speculative call buying targeting the $60 level, though the statistical forecast model remains weak and offers little directional guidance. For investors, the setup favors a momentum play on the recovery story while keeping a close eye on the upcoming earnings release, rather than a long-term hold based solely on cheap multiples. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.070992 |
| MSTL | 0.071878 |
| AutoARIMA | 0.074879 |
| AutoETS | 0.074950 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 44% |
| H-stat | 21.80 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.195 |
| Excess Kurtosis | -1.26 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-06-04 |
| Last Dividend Date | 2026-06-04 |
| Revenue per Share | 10.291 |
| Market Cap | 955,522,752 |
| Trailing P/E | 15.94 |
| Forward P/E | 19.05 |
| Beta | 0.63 |
| Profit Margins | 33.26% |
| Website | https://www.trustcobank.com |
As of July 11, 2026, 4:56 a.m. EDT: Speculators are positioning for a modest upside move in the near term, evidenced by significant call volume at the $60 strike for the July expiration, which sits above the money. This bullish flow contrasts with put activity concentrated deep out-of-the-money ($25-$45 strikes), suggesting a fear of a crash is priced in but not actively traded. The implied volatility skew shows elevated premiums for deep puts relative to deep calls, indicating a defensive bias among sellers, yet the net open interest and volume flow lean toward a test of higher ground.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.72% | 3.43% | 4.36% | 4.32% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-06-05 | 0.380000 | 0.723396 |
| 2026-03-06 | 0.380000 | 0.866986 |
| 2025-12-05 | 0.380000 | 0.892857 |
| 2025-09-05 | 0.380000 | 0.951189 |
| 2025-06-06 | 0.360000 | 1.144310 |
| 2025-03-07 | 0.360000 | 1.159420 |
| 2024-12-06 | 0.360000 | 0.993377 |
| 2024-09-06 | 0.360000 | 1.094890 |
| 2024-06-07 | 0.360000 | 1.322557 |
| 2024-02-29 | 0.360000 | 1.319164 |
| 2023-11-30 | 0.360000 | 1.341282 |
| 2023-08-31 | 0.360000 | 1.264489 |
| 2023-06-01 | 0.360000 | 1.293103 |
| 2023-03-02 | 0.360000 | 0.979858 |
| 2022-12-01 | 0.360000 | 0.931195 |
| 2022-09-01 | 0.350000 | 1.065449 |
| 2022-06-02 | 0.350000 | 1.096491 |
| 2022-03-03 | 0.350000 | 1.036730 |
| 2021-12-02 | 0.350000 | 1.068702 |
| 2021-09-02 | 0.341000 | 1.071990 |
| 2021-06-03 | 0.341000 | 0.913964 |
| 2021-03-04 | 0.340000 | 0.944444 |
| 2020-12-03 | 0.340000 | 1.091493 |
| 2020-09-03 | 0.340000 | 1.172414 |
| 2020-06-04 | 0.340000 | 1.022556 |
| 2020-03-05 | 0.340000 | 0.951049 |
| 2019-12-05 | 0.340000 | 0.791618 |
| 2019-09-05 | 0.340000 | 0.887728 |
| 2019-06-06 | 0.340000 | 0.912752 |
| 2019-02-28 | 0.340000 | 0.802834 |
| 2018-12-06 | 0.340000 | 0.927694 |
| 2018-09-06 | 0.340000 | 0.740741 |
| 2018-05-31 | 0.330000 | 0.758621 |
| 2018-03-01 | 0.330000 | 0.781065 |
| 2017-11-30 | 0.330000 | 0.705882 |
| 2017-08-30 | 0.330000 | 0.840764 |
| 2017-05-31 | 0.330000 | 0.897959 |
| 2017-03-01 | 0.330000 | 0.776471 |
| 2016-11-30 | 0.330000 | 0.809816 |
| 2016-08-31 | 0.330000 | 0.924370 |
| 2016-06-01 | 0.330000 | 1.013825 |
| 2016-03-02 | 0.330000 | 1.124361 |
| 2015-12-02 | 0.330000 | 1.032864 |
| 2015-09-02 | 0.330000 | 1.168142 |
| 2015-06-03 | 0.330000 | 0.959302 |
| 2015-03-04 | 0.330000 | 0.979228 |
| 2014-12-03 | 0.330000 | 0.956522 |
| 2014-09-03 | 0.330000 | 0.941512 |
| 2014-06-04 | 0.330000 | 1.039370 |
| 2014-03-05 | 0.330000 | 0.967742 |
| 2013-12-04 | 0.330000 | 0.921788 |
| 2013-09-04 | 0.330000 | 1.135972 |
| 2013-06-05 | 0.330000 | 1.202186 |
| 2013-02-27 | 0.330000 | 1.240601 |
| 2012-12-05 | 0.330000 | 1.261950 |
| 2012-09-05 | 0.330000 | 1.184919 |
| 2012-05-30 | 0.330000 | 1.281553 |
| 2012-02-29 | 0.330000 | 1.231343 |
| 2011-11-30 | 0.330000 | 1.252372 |
| 2011-08-31 | 0.330000 | 1.413276 |
| 2011-06-01 | 0.330000 | 1.161972 |
| 2011-03-02 | 0.330000 | 1.100000 |
| 2010-12-01 | 0.330000 | 1.155867 |
| 2010-09-01 | 0.330000 | 1.222222 |
| 2010-06-02 | 0.315000 | 1.036184 |
| 2010-03-03 | 0.315000 | 1.046512 |
| 2009-12-02 | 0.315000 | 0.996835 |
| 2009-09-02 | 0.315000 | 1.080618 |
| 2009-06-03 | 0.315000 | 1.131059 |
| 2009-03-04 | 0.550000 | 2.044610 |
| 2008-12-03 | 0.550000 | 1.024209 |
| 2008-09-03 | 0.550000 | 1.089109 |
| 2008-06-04 | 0.550000 | 1.397713 |
| 2008-03-05 | 0.550000 | 1.344743 |
| 2007-12-05 | 0.800000 | 1.551891 |
| 2007-09-05 | 0.800000 | 1.437556 |
| 2007-06-06 | 0.800000 | 1.654602 |
| 2007-02-28 | 0.800000 | 1.617796 |
| 2006-12-06 | 0.800000 | 1.423488 |
| 2006-09-06 | 0.800000 | 1.496726 |
| 2006-05-31 | 0.800000 | 1.455869 |
| 2006-03-01 | 0.800000 | 1.269841 |
| 2005-12-07 | 0.800000 | 1.259843 |
| 2005-09-07 | 0.750000 | 1.127820 |
| 2005-06-01 | 0.750000 | 1.197127 |
| 2005-03-02 | 0.750000 | 1.258389 |
| 2004-12-01 | 0.750000 | 1.057828 |
| 2004-09-01 | 0.750000 | 1.164596 |
| 2004-06-02 | 0.750000 | 1.163693 |
| 2004-03-03 | 0.750000 | 1.114413 |
| 2003-12-03 | 0.750000 | 1.144165 |
| 2003-09-03 | 0.750000 | 1.145038 |
| 2003-06-04 | 0.750000 | 1.300954 |
| 2003-03-05 | 0.750000 | 1.500000 |
| 2002-12-04 | 0.750000 | 1.386322 |
| 2002-09-04 | 0.750000 | 1.228501 |
| 2002-06-05 | 0.750000 | 1.220504 |
| 2002-03-06 | 0.750000 | 1.144165 |
| 2001-12-05 | 0.750000 | 1.229508 |
| 2001-09-05 | 0.652174 | 1.102941 |
| 2001-06-06 | 0.652174 | 1.250000 |
| 2001-03-07 | 0.652174 | 1.200000 |
| 2000-12-06 | 0.652174 | 1.325967 |
| 2000-09-06 | 0.567108 | 1.200001 |
| 2000-06-07 | 0.567108 | 1.212122 |
| 2000-03-08 | 0.567108 | 1.224490 |
| 1999-12-08 | 0.567108 | 1.038961 |
| 1999-09-01 | 0.519849 | 0.928270 |
| 1999-06-09 | 0.519849 | 0.990991 |
| 1999-03-10 | 0.519849 | 1.040190 |
| 1998-12-09 | 0.453686 | 0.813559 |
| 1998-09-09 | 0.394510 | 0.862922 |
| 1998-06-10 | 0.394510 | 0.895105 |
| 1998-03-11 | 0.394510 | 0.874716 |
| 1997-12-03 | 0.394510 | 0.960001 |
| 1997-09-03 | 0.393080 | 1.028037 |
| 1997-06-04 | 0.393080 | 1.321320 |
| 1997-03-05 | 0.393080 | 1.286549 |
| 1996-12-04 | 0.393080 | 1.294116 |
| 1996-09-04 | 0.341809 | 1.170213 |
| 1996-06-05 | 0.341809 | 1.250000 |
| 1996-03-06 | 0.285877 | 1.069769 |
| 1995-12-06 | 0.285877 | 1.033709 |
| 1995-09-06 | 0.285877 | 1.121953 |
| 1995-06-06 | 0.284841 | 1.309525 |
| 1995-03-06 | 0.284841 | 1.375001 |
| 1994-12-05 | 0.284841 | 1.419356 |
| 1994-09-26 | 0.233052 | 1.139242 |
| 1994-09-02 | 0.258946 | 1.136363 |
| 1994-05-27 | 0.517892 | 2.499998 |
| 1994-02-28 | 0.207157 | 0.919540 |
| 1993-11-29 | 0.207157 | 0.898877 |
| 1993-08-30 | 0.207157 | 0.888889 |
| 1993-08-09 | 0.207157 | 0.952381 |
| 1993-05-28 | 0.207157 | 0.993789 |
| 1993-03-01 | 0.165726 | 0.844887 |
| 1992-11-30 | 0.165726 | 0.969699 |
| 1992-08-31 | 0.155368 | 1.052633 |
| 1992-06-01 | 0.155368 | 1.045753 |
| 1992-05-11 | 0.155368 | 1.038963 |
| 1992-03-02 | 0.155368 | 1.009465 |
| 1991-12-02 | 0.127013 | 1.029920 |
| 1991-08-30 | 0.139831 | 0.993104 |
| 1991-08-05 | 0.139831 | 1.058824 |
| 1991-03-04 | 0.139831 | 1.142857 |
| 1990-08-31 | 0.139831 | 1.263158 |
| 1990-03-05 | 0.116526 | 1.000002 |
| 1989-12-04 | 0.116526 | 1.034485 |
| 1989-09-01 | 0.116526 | 0.923079 |
| 1989-06-05 | 0.106815 | 0.924367 |
| 1989-03-06 | 0.106815 | 0.932201 |
| 1988-12-05 | 0.106815 | 0.964909 |
| 1988-09-02 | 0.106815 | 0.940168 |
| 1988-06-06 | 0.097105 | 0.943398 |
| 1988-03-07 | 0.097105 | 0.884957 |
| 1987-12-07 | 0.097105 | 1.052633 |
| 1987-09-04 | 0.097105 | 0.847459 |
| 1987-06-08 | 0.085452 | 0.733331 |
| 1987-03-09 | 0.085452 | 0.709675 |
| 1986-12-08 | 0.085452 | 0.956519 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.597896 |
| Address1 | 5 Sarnowski Drive |
| All Time High | 71.25 |
| All Time Low | 2.864593 |
| Ask | 70.82 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Daily Volume10 Day | 90,080 |
| Average Daily Volume3 Month | 110,236 |
| Average Volume | 110,236 |
| Average Volume10Days | 90,080 |
| Beta | 0.634 |
| Bid | 38.31 |
| Bid Size | 2 |
| Board Risk | 5 |
| Book Value | 38.323 |
| City | Glenville |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 54.68 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 55.01 |
| Day Low | 54.26 |
| Dividend Date | 1,782,864,000 |
| Dividend Rate | 1.52 |
| Dividend Yield | 2.79 |
| Earnings Call Timestamp End | 1,784,750,400 |
| Earnings Call Timestamp Start | 1,784,750,400 |
| Earnings Growth | 0.213 |
| Earnings Quarterly Growth | 0.141 |
| Earnings Timestamp | 1,784,664,000 |
| Earnings Timestamp End | 1,784,664,000 |
| Earnings Timestamp Start | 1,784,664,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.771 |
| Enterprise Value | 336,264,672 |
| Eps Forward | 2.87 |
| Eps Trailing Twelve Months | 3.43 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,780,617,600 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 51.8296 |
| Fifty Day Average Change | 2.850399 |
| Fifty Day Average Change Percent | 0.05499558 |
| Fifty Two Week Change Percent | 59.789597 |
| Fifty Two Week High | 56.67 |
| Fifty Two Week High Change | -1.9899979 |
| Fifty Two Week High Change Percent | -0.035115544 |
| Fifty Two Week Low | 32.62 |
| Fifty Two Week Low Change | 22.060001 |
| Fifty Two Week Low Change Percent | 0.6762723 |
| Fifty Two Week Range | 32.62 - 56.67 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 419,697,000,000 |
| Five Year Avg Dividend Yield | 4.31 |
| Float Shares | 16,804,827 |
| Forward Eps | 2.87 |
| Forward P E | 19.052265 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 740 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.0 |
| Gross Profits | 189,870,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.03279 |
| Held Percent Institutions | 0.79675 |
| Implied Shares Outstanding | 17,474,811 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,780,617,600 |
| Last Dividend Value | 0.38 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,622,160,000 |
| Last Split Factor | 1:5 |
| Long Business Summary | 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. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York. |
| Long Name | TrustCo Bank Corp NY |
| Market | us_market |
| Market Cap | 955,522,752 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_309510 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 63,147,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 956,396,406 |
| Open | 54.76 |
| Operating Cashflow | 68,139,000 |
| Operating Margins | 0.46956003 |
| Overall Risk | 4 |
| Payout Ratio | 0.4399 |
| Peg Ratio | 0.63 |
| Phone | 518 377 3311 |
| Previous Close | 54.68 |
| Price Hint | 2 |
| Price To Book | 1.4268193 |
| Price To Sales Trailing12 Months | 5.0325103 |
| Profit Margins | 0.33258 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.0 |
| Regular Market Change Percent | 0.0 |
| Regular Market Day High | 55.01 |
| Regular Market Day Low | 54.26 |
| Regular Market Day Range | 54.26 - 55.01 |
| Regular Market Open | 54.76 |
| Regular Market Previous Close | 54.68 |
| Regular Market Price | 54.68 |
| Regular Market Time | 1,783,972,801 |
| Regular Market Volume | 785 |
| Return On Assets | 0.00983 |
| Return On Equity | 0.09295 |
| Revenue Growth | 0.079 |
| Revenue Per Share | 10.291 |
| Sand P52 Week Change | 0.20365608 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 17,474,811 |
| Shares Percent Shares Out | 0.0442 |
| Shares Short | 773,047 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 682,031 |
| Short Name | TrustCo Bank Corp NY |
| Short Percent Of Float | 0.0548 |
| Short Ratio | 5.16 |
| Source Interval | 15 |
| State | NY |
| Symbol | TRST |
| Total Cash | 768,108,032 |
| Total Cash Per Share | 43.955 |
| Total Debt | 148,850,000 |
| Total Revenue | 189,870,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.5 |
| Trailing Annual Dividend Yield | 0.027432334 |
| Trailing Eps | 3.43 |
| Trailing P E | 15.94169 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 44.6007 |
| Two Hundred Day Average Change | 10.0793 |
| Two Hundred Day Average Change Percent | 0.22598973 |
| Type Disp | Equity |
| Volume | 785 |
| Website | https://www.trustcobank.com |
| Zip | 12,302 |