TRST

TrustCo Bank Corp NY

TRST.US trustcobank.com + Research + Basket
CIK 0000357301
Employees 740
Phone 518 377 3311
Fiscal year end December
IPO Mar 26, 1990
Address 5 Sarnowski Drive, Glenville, NY, United States, 12302
58.57
+0.47 (+0.81%)
USD · NASDAQ
52-week range
36.49
59.96
Trading at 94% of the 52-week range
Market Cap
989.31M
P/E Ratio
15.49
Forward P/E
14.04
Book Value
38.20
Div. Yield
2.68%
% Institutions
81.95%
% Insiders
3.47%

1 Year

+56.4%

3 Year

+137.7%

10 Year

+146.8%
Description

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.

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People

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Directors & Officers

Name Title Year Born
Mr. Robert Joseph McCormick President, CEO & Chairman of the Board 1964
Mr. Michael M. Ozimek Executive VP & CFO 1974
Mr. Robert Michael Leonard Executive VP & COO 1963
Mr. Michael James Hall Esq. General Counsel & Corporate Secretary 1965
Mr. Kevin M. Curley Executive VP & Chief Banking Officer 1966
Ms. Carly Batista Senior VP & COO NA
Sean P. Dougherty VP & Chief Technology Officer NA
Mr. Michael J. Ewell Senior VP & Chief Risk Officer NA
Mr. Patrick J. LaPorta Esq. Senior VP & Chief Trust Officer NA
Lauren A. McCormick VP, Treasurer & Assistant Corporate Secretary NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Nov 26, 2025 Lisa M Lucarelli N/A Purchase 200.00 $42.69 $8.54K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 2.52M Jun 30, 2026 14.78% $0.00 -1.91%
Dimensional Fund Advisors, Inc. 1.14M Jun 30, 2026 6.70% $0.01 0.24%
Systematic Financial Management LP 1.10M Jun 30, 2026 6.47% $1.20 -5.50%
State Street Corp 922.85K Jun 30, 2026 5.42% $0.00 3.56%
HoldCo Asset Management, L.P. 872.74K Jun 30, 2026 5.13% $3.08 0.00%
Vanguard Capital Management, LLC 749.59K Jun 30, 2026 4.40% $0.00 -8.49%
American Century Companies Inc 609.41K Jun 30, 2026 3.58% $0.01 7.88%
Geode Capital Management, LLC 516.61K Jun 30, 2026 3.03% $0.00 3.61%
Vanguard Portfolio Management, LLC 386.84K Jun 30, 2026 2.27% $0.00 3.80%
Amvescap Plc. 296.93K Jun 30, 2026 1.74% $0.00 3.77%
Hotchkis & Wiley Capital Management LLC 278.37K Jun 30, 2026 1.63% $0.04 -4.46%
Arrowstreet Capital Limited Partnership 230.18K Jun 30, 2026 1.35% $0.01 0.38%
Two Sigma Investments LLC 204.63K Jun 30, 2026 1.20% $0.01 -7.13%
Northern Trust Corp 204.30K Jun 30, 2026 1.20% $0.00 3.65%
Charles Schwab Investment Management Inc 168.27K Jun 30, 2026 0.99% $0.00 -0.43%
Bank of New York Mellon Corp 161.26K Jun 30, 2026 0.95% $0.00 -2.44%
Gabelli Funds LLC 149.94K Jun 30, 2026 0.88% $0.05 -0.99%
Morgan Stanley - Brokerage Accounts 145.74K Jun 30, 2026 0.86% $0.00 -1.42%
The Goldman Sachs Group Inc 137.59K Jun 30, 2026 0.81% $0.00 -24.09%
Bridgeway Capital Management, LLC 124.55K Jun 30, 2026 0.73% $0.12 -1.42%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Small-Cap ETF 1.02M 5.99% ▲ 0.00% Oct 28, 2026
2 Avantis US Small Cap Value ETF 566.06K 3.32% ▲ 0.04% Oct 29, 2026
3 Vanguard MStar Total Stk Mkt Idx Invest 512.44K 3.01% ▼ 4.47% Sep 30, 2026
4 iShares Russell 2000 ETF 431.35K 2.53% ▲ 0.00% Oct 29, 2026
5 DFA US Small Cap Value I 250.23K 1.47% ▲ 0.00% Aug 31, 2026
6 Fidelity Small Cap Index 190.60K 1.12% ▲ 1.09% Jul 31, 2026
7 State Street® SPDR® S&PRgnllBkgETF 183.47K 1.08% ▼ 2.50% Oct 29, 2026
8 DFA US Targeted Value I 163.61K 0.96% ▲ 0.00% Aug 31, 2026
9 iShares Russell 2000 Value ETF 156.00K 0.92% ▲ 0.00% Oct 28, 2026
10 State Street SPDR Port S&P 600 Sm CpETF 155.37K 0.91% ▲ 0.00% Oct 29, 2026

Financial Highlights

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Market Cap: $989.31M
P/E Ratio: $15.49
PEG Ratio: $0.63
Book Value: $38.20
Dividend/Share: $1.54
Dividend Yield: 2.68%
Earnings/Share: $3.75
Profit Margin: 33.36%
Operating Margin: 47.21%
ROA (TTM): 1.03%
ROE (TTM): 10.00%
Revenue (TTM): $198.22M
Revenue/Share (TTM): $11.29
Earnings Growth (YOY): 18.60%
Revenue Growth (YOY): 7.30%

Valuation Metrics

Enterprise Value: $496.14M
Trailing P/E: 15.49
Forward P/E: 14.04

Shares Statistics

Shares Outstanding: 17.03M
Shares Float: 15.03M
% Insiders: 3.47%
% Institutions: 81.95%
Shares Short: 1.26M
Shares Short (Prior Month): 1.22M
Short Ratio: 9.70
Short % Float: 9.23%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$278.33M
Cost of Goods Sold
adjust
$-91.64M
Gross Profit
subtotal
$186.72M
SG&A
adjust
$-63.71M
Other Operating Expense
adjust
$-41.80M
Operating Income
subtotal
$81.21M
Other / Non-Operating Items
adjust
$-20.08M
Net Income
subtotal
$61.14M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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