TRST
Trustco Bank Corp N YPrice & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
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 its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average commercial loans increase | $17.1M | Q1 2026 | — |
| Average deposits increase | $157.7M | Q1 2026 | — |
| Average loans increase | $158.9M | Q1 2026 | — |
| Book value per share | $38.32 | as of March 31, 2026 | — |
| Cost of interest bearing liabilities | 1.79% | Q1 2026 | — |
| Coverage ratio (allowance for credit losses on loans to NPLs) | 246.9% | as of March 31, 2026 | — |
| Equity to asset ratio | 10.31% | as of March 31, 2026 | — |
| Loan portfolio | 5.29B | Q1 2026 | — |
| Net interest margin | 2.84% | Q1 2026 | — |
| NPLs to total loans ratio | 0.41% | as of March 31, 2026 | — |
| Number of offices | 133 | as of March 31, 2026 | — |
| Provision for credit losses | $950K | Q1 2026 | — |
| Return on Average Assets | 1.02% | Q1 2026 | — |
| Return on Average Equity | 9.66% | Q1 2026 | — |
| Yield on interest earning assets | 4.23% | Q1 2026 | — |
| allowance for credit losses coverage ratio | 247% | Q1 2026 call | — |
| assets under management | $1.26B | Q1 2026 call | — |
| average loans | $5.3B | Q1 2026 call | — |
| cost of interest-bearing liabilities | 1.79% | Q1 2026 call | — |
| efficiency ratio non-GAAP | 54% | Q1 2026 call | — |
| nonperforming assets | $22.8M | Q1 2026 call | — |
| nonperforming assets to total assets | 35 | Q1 2026 call | — |
| nonperforming loans | $21.5M | Q1 2026 call | — |
| nonperforming loans to total loans | 41 | Q1 2026 call | — |
| shares repurchased | 522,000 | Q1 2026 call | — |
| wealth management and financial services fees as percent of noninterest income | 44.1% | Q1 2026 call | — |
| yield on interest-earning assets | 4.23% | Q1 2026 call | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$949.49M | +36.3% | — | 15.9 | 4.4% |
|
HDB
Hdfc Bank Ltd
|
$134.84B | -28.0% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$125.72B | +41.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.06B | -0.8% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.48B | +23.2% | +7.2% | 14.8 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TRST | +1.8% | +5.0% | +23.6% | +1.0% | +36.3% |
| SPY | -0.1% | +0.1% | +9.0% | +0.5% | +10.1% |
| vs SPY | +1.9% | +5.0% | +14.7% | +0.4% | +26.2% |
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.