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TRST

TrustCo Bank Corp NY

Financial Services · $978M market cap

Verdict

Share price

$55.69

close of Oct 3, 2026

Fair value

$42.79

Sticker Price

Payback Price

$17.12

buy price

Overpriced

TRST is Overpriced: at $55.69 it trades 30% above its fair value of $42.79. Its buy price (Payback Price) is $17.12, 69% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth3.8% a year✗
Equity per share growth5.3% a year✗
Sales growth1.3% a year✗
Free cash flow growth0.1% a year✗
Return on invested capital6.6%✗

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Insider activity

Since Jul 27, 2026: 2 open-market purchases worth $31K and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Purchases

McCormick Lauren Ann

VP,Treasurer, Asst. Corp. Sec. · 2026-09-02

Bought

$25K

McCormick Lauren Ann

VP,Treasurer, Asst. Corp. Sec. · 2026-08-12

Bought

$6K

Other filings

McCormick Lauren Ann

VP,Treasurer, Asst. Corp. Sec. · 2026-07-27

G-Gift

1,756 shares

About TrustCo Bank Corp NY

TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works