TRST · Trustco Bank Corp N Y
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on May 28, 2021; bars on opposite sides are not compared.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted Efficiency ratio non-GAAP | 55.04% | Six Months Ended 06/30/26 | — |
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| Allowance for credit losses on loans to total loans | 1.01% | Three months ended 6/30/2026 | — |
| Book value at period end | $38.53 | Three months ended 6/30/2026 | — |
| Book value per share | $38.53 | as of June 30, 2026 | — |
| Consolidated tangible equity to tangible assets non-GAAP | 10.05% | Three months ended 6/30/2026 | — |
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| Coverage ratio | 2.5 | Three months ended 6/30/2026 | — |
| Coverage ratio (allowance for credit losses on loans to NPLs) | 248.6% | as of June 30, 2026 | — |
| Dividend payout ratio | 38.36% | Three months ended 6/30/2026 | — |
| Efficiency ratio (GAAP) | 55.01% | Three months ended 6/30/2026 | — |
| Equity to asset ratio | 10.05% | as of June 30, 2026 | — |
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| Full service banking offices | 132 | as of June 30, 2026 | — |
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| Full time equivalent employees | 742 | Three months ended 6/30/2026 | — |
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| Net interest margin | 2.86% | Six Months Ended 06/30/26 | — |
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| Net interest spread | 2.48% | Three months ended 6/30/2026 | — |
| Nonperforming assets (NPAs) | $23M | as of June 30, 2026 | — |
| Nonperforming assets to total assets | 0.35% | Three months ended 6/30/2026 | — |
| Nonperforming loans (NPLs) | $21.8M | as of June 30, 2026 | — |
| NPLs to total loans ratio | 0.4% | as of June 30, 2026 | — |
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| Return on average assets | 1.04% | Three months ended 6/30/2026 | — |
| Return on average equity | 10.22% | Three months ended 6/30/2026 | — |
| Offices operated | 133 | first quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TRST
this stock
Trustco Bank Corp N Y
|
$976.37M | +36.7% | — | 15.9 | 4.7% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on May 28, 2021; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TRST | -0.1% | +1.0% | +25.9% | -0.8% | +36.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | +0.4% | -1.9% | +14.4% | -3.8% | +23.9% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.