SeekingAlpha•2026-04-22
TrustCo Bank Corp NY (TRST) Q1 2026 Earnings Call TranscriptTRST — TrustCo Bank Corp NY
NASDAQ · Banking · Banking
$46.30+3.44%Market cap764.56M
- Latest Close
- $46.3
- 30-Day Move
- +3.4%
- Market Cap
- $765M
- Shares Outstanding
- 18,030,000
- P/E Ratio
- 12.57
- P/B Ratio
- 1.11
Analyst consensus: Sell · 6 analysts
NASDAQ:TRSTBanking / BankingDelayed public snapshot
TrustCo Bank Corp NY
A read-only Alphactor snapshot forTrustCo Bank Corp NY. It uses the same research structure as the app, but with delayed data and shallow depth so search visitors can evaluate the stock before signing up.
Snapshot as of2026-04-21
Topline snapshot
Latest Close
$46.3
30-Day Move
+3.4%
Market Cap
$765M
Shares Outstanding
18,030,000
P/E Ratio
12.57
P/B Ratio
1.11
Not investment advice. Signals and scores shown here are model outputs derived from historical data, not recommendations. Past performance does not guarantee future results. Do your own research before trading. Full disclaimer
Chart snapshot
$46.30
+3.4%last 90 delayed daily bars
Market cap$765M
90D High
$48.45
90D Low
$40.33
Avg Volume
120,954
What stands out
Net margin is 34.7%, useful for comparing TRST against peers in Banking.
TRST is up 3.4% over the last 30 trading days shown on this page.
Research snapshot
Composite Fair Value
$41.16
Rule of 40
33.7%
Fundamentals snapshot
Latest Close
$46.3
30-Day Move
+3.4%
Market Cap
$765M
Shares Outstanding
18,030,000
P/E Ratio
12.57
P/B Ratio
1.11
ROE
8.9%
ROA
95.0%
Operating Margin
45.9%
Net Margin
34.7%
Debt / Equity
0.17
Dividend Yield
3.5%
Latest Revenue
$48M
Financial statement snapshot
Revenue
$48M
Gross Profit
--
Operating Income
--
Net Income
$16M
Gross Margin
--
Net Margin
3467.4%
Current Ratio
--
Debt / Equity
0.17
Valuation snapshot
Fair Value
$41.16
Upside / Downside
-11.1%
Signal
Overvalued
Implied Growth
4.8%
DCF
$29.43
EV/Rev
$52.90
Growth Assumption
-2.0%
Discount Rate
9.6%
Terminal Growth
2.0%
Base FCF
$46M
Valuation spread
Current Price
$46.30
Composite Fair Value
$41.16
DCF
$29.43
EV/Rev
$52.90
After signup
The full valuation workspace goes deeper
Adjust DCF growth, discount, and terminal assumptions instead of relying on one static snapshot.
Open the deeper balance-sheet and cash-flow views to inspect debt, liquidity, and cash generation line by line.
Compare multiple valuation models against peers and save your own thesis instead of re-reading a fixed public state.
Low growth priced in
Quality snapshot
Altman Z
0.21
Distress
Piotroski
6
Moderate (4-6)
Cash Conversion
0.94x
Rule of 40
33.7%
Acceptable
Annual financial history
Annual performance mix
| Period | Revenue | Operating Income | Net Income | Free Cash Flow |
|---|---|---|---|---|
| 2022-12-31 | $199M | -- | $75M | $75M |
| 2023-12-31 | $190M | -- | $59M | $58M |
| 2024-12-31 | $172M | -- | $49M | $55M |
| 2025-12-31 | $188M | -- | $61M | $46M |
After signup
The app opens the full statement deep dive
Extend the history well beyond this public snapshot to inspect longer cycles and regime changes.
Move from summary lines into detailed balance-sheet and cash-flow rows for working capital, debt, and capex analysis.
Cross-link statement changes with alerts, watchlists, and saved research workflows after signup.
News snapshot
Finnhub•2026-04-22
Transcript : TrustCo Bank Corp NY, Q1 2026 Earnings Call, Apr 22, 2026Benzinga•2026-04-22
Trustco Bank Reports Q1 2026 Results: Full Earnings Call TranscriptFinnhub•2026-04-21
TrustCo: Q1 Earnings SnapshotBenzinga•2026-04-21
Trustco Bank Q1 EPS $0.91 Up From $0.75 YoY, Sales $49.549M Up From $45.347M YoYAfter signup
The full sentiment workspace adds context
Go past the public headlines into fuller article history, source cross-checks, and deeper narrative tracking.
Tie news into alerts, watchlists, and conviction changes instead of browsing one static batch of stories.
Insider activity snapshot
Buy Value
$87,996.7
Sell Value
$0
Buys
5
Sells
0
Buy Value
$87,996.7
Sell Value
$0
Buy/Sell Ratio
5.00x
After signup
The full app goes deeper on insider behavior
Inspect longer insider history, recurring buyers and sellers, and the broader transaction context beyond this snapshot.
Continue into deeper institutional and alternative-data views once you sign up.
Recent insider transactions
| Date | Name | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-12 | CURLEY KEVIN M | Buy | 588 | $42.55 |
| 2025-11-26 | LUCARELLI LISA M | Buy | 200 | $42.69 |
| 2025-11-21 | CURLEY KEVIN M | M | 1,107 | $0.00 |
| 2025-11-21 | CURLEY KEVIN M | F | 461 | $41.54 |
| 2025-11-21 | CURLEY KEVIN M | M | 1,107 | $0.00 |
| 2025-11-21 | HALL MICHAEL JAMES | M | 271 | $0.00 |
| 2025-11-21 | HALL MICHAEL JAMES | D | 271 | $41.54 |
| 2025-11-21 | HALL MICHAEL JAMES | M | 271 | $0.00 |
ETF holders snapshot
| ETF | Shares | Weight | As Of |
|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 1,099,476 | 0.06% | 2026-02-28 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 574,442 | 0.03% | 2025-12-31 |
| iShares Trust-iShares Russell 2000 ETF | 480,217 | 0.03% | 2026-02-28 |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 468,868 | 0.03% | 2026-03-31 |
| Templeton Global Smaller Companies Fund | 398,182 | 0.02% | 2025-11-30 |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 250,229 | 0.01% | 2026-01-31 |
| VANGUARD INDEX FUNDS-Vanguard Extended Market Index Fund | 198,208 | 0.01% | 2025-12-31 |
| Fidelity Salem Street Trust-Fidelity Small Cap Index Fund | 181,073 | 0.01% | 2026-01-31 |
After signup
The deeper ownership view shows who is leaning in
Open richer institutional and holder diffs to see position changes across filings instead of one static snapshot.
Use those ownership shifts alongside conviction and alerts in the full app workflow.
Institutional holders snapshot
Qube Research & Technologies
Filed 2025-08-14
--
--
BlackRock
Filed 2024-08-13
$79M
--
Vanguard Group
Filed 2026-01-29
$54M
+1.1%
Geode Capital Management
Filed 2026-02-09
$19M
-1.3%
Goldman Sachs
Filed 2026-02-10
$11M
-5.9%
Invesco
Filed 2025-11-13
$8M
+25.0%
Analyst consensus?
Rating(?)
2
Consensus
SellTarget Mean(?)
—
Target High(?)
—
Target Low(?)
—
Analysts
6
For informational and educational purposes only. Not financial advice. Learn more
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