TRST TrustCo Bank Corp NY - Common Stock

NASDAQ · Banking · Ver em SEC EDGAR ↗
$49,60
Preço · Mai 20, 2026
Fundamentais a partir de Mai 8, 2026
Intervalo 52 Semanas
$30–$50
100% of range
Classificação do Analista
HOLD
6 analysts
Preço-Alvo
—
P/E (TTM)
12.7
ROE
8.9%
Margem de Lucro Líquido
32.5%

TRST Instantâneo da Ação Preço, capitalização de mercado, P/E, EPS, ROE, dívida/patrimônio, intervalo de 52 semanas

Preço
$49.60
Capitalização de Mercado
$745M
P/E (TTM)
12.7
EPS (TTM)
$3.25
Receita (TTM)
—
Rendimento div.
3.7%
ROE
8.9%
Dívida/Capital
0.2
Intervalo 52 Semanas
$30 – $50

TRST Gráfico de Preço da Ação OHLCV diário com indicadores técnicos — panorâmica, zoom e personalize sua visualização

Desempenho de 10 Anos Tendências de receita, lucro líquido, margens e EPS

Receita e Lucro Líquido —
EPS $3.25
10-point trend, +630.3%
2016-12-31 → 2025-12-31
Fluxo de caixa livre $46M
9-point trend, -13.4%
2016-12-31 → 2025-12-31
Margens 32.5%

Avaliação Rácios P/E, P/S, P/B, EV/EBITDA — a ação está cara ou barata?

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
P/E (TTM)
5-point trend, +21.8%
12.7
11.9
P/S (TTM)
5-point trend, +10.5%
4.0
2.1
P/B
5-point trend, +1.9%
1.1
1.0
EV / EBITDA
5-point trend, +135.3%
28.0
—
Price / FCF (Preço / FCF)
5-point trend, +33.7%
16.3
—

Lucratividade Margens bruta, operacional e líquida; ROE, ROA, ROIC

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
Net Profit Margin (Margem de Lucro Líquido)
5-point trend, -5.7%
32.5%
30.2%
ROA
5-point trend, -5.9%
0.96%
0.95%
ROE
5-point trend, -14.5%
8.9%
8.9%

Saúde financeira Dívida, liquidez, solvência — força do balanço patrimonial

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
Debt / Equity (Dívida / Patrimônio Líquido)
5-point trend, -57.0%
0.2
14.1

Crescimento Crescimento da receita, EPS e lucro líquido: YoY, CAGR 3 anos, CAGR 5 anos

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
Revenue YoY (Receita Ano a Ano)
9.4%
—
Revenue CAGR 3Y (CAGR Receita 3A)
-2.0%
—
Revenue CAGR 5Y (CAGR Receita 5A)
1.9%
—
EPS YoY
5-point trend, +1.9%
26.5%
—
Net Income YoY (Lucro Líquido Ano a Ano)
5-point trend, -0.6%
25.2%
—

Métricas por Ação EPS, valor patrimonial por ação, fluxo de caixa por ação, dividendo por ação

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
EPS (Diluted) (EPS (Diluído))
5-point trend, +1.9%
$3.25
—

Eficiência de Capital Giro de ativos, giro de estoques, giro de contas a receber

Métrica
Tendência de 5 anos
TRST
Mediana de Pares
Payout Ratio (Índice de Pagamento)
5-point trend, +5.8%
45.2%
—

Dividendos Rendimento, índice de pagamento, histórico de dividendos, CAGR de 5 anos

Dividend Yield
3.7%
Índice de Pagamento
45.2%
CAGR Dividendos 5 anos
—
Data exValor
6 de Março de 2026$0,3800
5 de Dezembro de 2025$0,3800
5 de Setembro de 2025$0,3800
6 de Junho de 2025$0,3600
7 de Março de 2025$0,3600
6 de Dezembro de 2024$0,3600
6 de Setembro de 2024$0,3600
7 de Junho de 2024$0,3600
29 de Fevereiro de 2024$0,3600
30 de Novembro de 2023$0,3600
31 de Agosto de 2023$0,3600
1 de Junho de 2023$0,3600
2 de Março de 2023$0,3600
1 de Dezembro de 2022$0,3600
1 de Setembro de 2022$0,3500
2 de Junho de 2022$0,3500
3 de Março de 2022$0,3500
2 de Dezembro de 2021$0,3500
2 de Setembro de 2021$0,3410
3 de Junho de 2021$0,3410

TRST Consenso dos analistas Opiniões de analistas otimistas e pessimistas, preço-alvo de 12 meses, potencial de alta

VENDA 6 analistas
  • Compra forte 0 0,0%
  • Compra 0 0,0%
  • Manter 2 33,3%
  • Venda 2 33,3%
  • Venda forte 2 33,3%

Histórico de Lucros EPS real vs. estimativa, surpresa %, taxa de acerto, próxima data de resultados

Surpresa Média
0.07%
Período EPS Actual EPS est. Surpresa
31 de Março de 2026 $0.91 — —
31 de Dezembro de 2025 $0.85 $0.83 0.02%
30 de Setembro de 2025 $0.86 $0.77 0.10%
30 de Junho de 2025 $0.79 $0.71 0.08%
31 de Março de 2025 $0.75 $0.67 0.08%

Comparação com pares Métricas chave vs pares do setor

Ticker Capitalização de Mercado P/E Receita YoY Margem Líquida ROE Margem Bruta
TRST $745M 12.7 9.4% 32.5% 8.9% —
MBWM $826M 8.8 4.8% 36.6% 13.1% —
HAFC $808M 10.8 15.3% 28.2% 9.8% —
FSBC $765M 12.3 25.6% 38.9% 14.3% —
AMTB — 15.5 30.8% 11.9% 5.6% —
FMNB — 9.2 3.9% — — —
CAC $734M 11.3 17.0% 156.1% 9.7% —
NBBK $907M 14.8 23.0% 23.5% 6.3% —
MPB $715M 12.2 26.1% 24.9% 7.1% —

Fundamentos Completos Todas as métricas por ano — demonstração de resultados, balanço patrimonial, fluxo de caixa

Demonstração de Resultados 10
Dados anuais de Demonstração de Resultados para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +251.0% · · $54M $6M $8M $25M $36M $20M $15M $15M $16M $15M
Interest Income 12-point trend, +65.3% $259M $243M $226M $187M $168M $178M $192M $181M $169M $161M $159M $157M
Pretax Income 12-point trend, +12.9% $81M $64M $78M $99M $82M $69M $77M $80M $77M $68M $67M $72M
Income Tax 12-point trend, -28.2% $20M $15M $19M $24M $21M $17M $19M $18M $34M $26M $25M $27M
Net Income 12-point trend, +38.3% $61M $49M $59M $75M $62M $52M $58M $61M $43M $43M $42M $44M
EPS (Basic) 12-point trend, +598.1% $3.26 $2.57 $3.08 $3.93 $3.19 $2.72 $2.99 $0.64 $0.45 $0.45 $0.44 $0.47
EPS (Diluted) 12-point trend, +597.4% $3.25 $2.57 $3.08 $3.93 $3.19 $2.72 $2.98 $0.64 $0.45 $0.45 $0.44 $0.47
Shares (Basic) 12-point trend, -80.2% 18,752,000 19,018,000 19,024,000 19,131,000 19,259,000 19,301,000 19,370,000 96,505,000 96,111,000 95,548,000 95,103,000 94,628,000
Shares (Diluted) 12-point trend, -80.2% 18,790,000 19,037,000 19,025,000 19,133,000 19,263,000 19,303,000 19,386,000 96,646,000 96,222,000 95,648,000 95,213,000 94,753,000
EBITDA 11-point trend, +0.8% $5M $5M $4M $4M $4M $4M · $4M $4M $4M $5M $5M
Balanço Patrimonial 16
Dados anuais de Balanço Patrimonial para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +8.8% $730M $642M $578M $651M $1.22B $1.11B $457M $504M $613M $707M $718M $671M
PP&E (Net) 12-point trend, +5.6% $41M $34M $34M $33M $33M $34M $35M $35M $35M $35M $38M $39M
PP&E (Gross) 12-point trend, +26.7% $140M $140M $138M $134M $131M $129M $125M $121M $118M $115M $114M $110M
Accum. Depreciation 12-point trend, +38.1% $99M $106M $104M $101M $98M $94M $90M $87M $83M $80M $76M $72M
Total Assets 12-point trend, +38.7% $6.44B $6.24B $6.17B $6.00B $6.20B $5.90B $5.22B $4.96B $4.91B $4.87B $4.73B $4.64B
Short-term Debt 12-point trend, -36.5% $120M $85M $89M $123M $245M $215M $149M $162M $243M $209M $191M $189M
Deferred Tax · · $179.0K · · · · · · · · ·
Total Liabilities 12-point trend, +35.4% $5.75B $5.56B $5.52B $5.40B $5.60B $5.33B $4.68B $4.47B $4.45B $4.44B $4.32B $4.25B
Total Debt 11-point trend, -36.5% $120M $85M $89M $123M $245M $215M · $162M $243M $209M $191M $189M
Common Stock 12-point trend, -79.7% $20M $20M $20M $20M $20M $20M $100M $100M $100M $99M $99M $99M
Retained Earnings 12-point trend, +187.9% $480M $447M $425M $394M $349M $314M $288M $256M $219M $202M $184M $167M
Treasury Stock 12-point trend, +109.2% $84M $45M $44M $44M $37M $34M $31M $33M $35M $33M $36M $40M
AOCI 12-point trend, +322.3% $10M $-4M $-13M $-27M $12M $12M $4M $-10M $-2M $-6M $-5M $-5M
Stockholders' Equity 12-point trend, +74.5% $687M $676M $645M $600M $601M $568M $538M $490M $458M $433M $413M $393M
Liabilities + Equity 12-point trend, +38.7% $6.44B $6.24B $6.17B $6.00B $6.20B $5.90B $5.22B $4.96B $4.91B $4.87B $4.73B $4.64B
Shares Outstanding 6-point trend, -6.5% 18,029,107 19,019,749 19,024,433 19,024,433 19,219,989 19,286,531 · · · · · ·
Fluxo de Caixa 15
Dados anuais de Fluxo de Caixa para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
D&A 12-point trend, +0.8% $5M $5M $4M $4M $4M $4M $4M $4M $4M $4M $5M $5M
Stock-based Comp 12-point trend, +290.8% $1M $720.0K $103.0K $0 $0 $15.0K $5.0K $173.0K $150.0K $224.0K $204.0K $325.0K
Deferred Tax 12-point trend, +39.5% $4M $2M $2M $4M $-238.0K $-1M $1M $3M $-183.0K $3M $3M $3M
Other Non-cash 11-point trend, -405.4% $-14M $3M $-890.0K $-5M $-10M $7M · $-643.0K $15M $5M $10M $-3M
Operating Cash Flow 12-point trend, +4.7% $58M $59M $64M $79M $55M $62M $64M $68M $62M $55M $60M $55M
CapEx 12-point trend, +39.6% $12M $5M $6M $4M $3M $4M $4M $4M $4M $2M $4M $8M
Investing Cash Flow 11-point trend, -70.8% $-105M $-4M $-234M $-417M $-175M $-35M $-249M $-174M $-145M $-158M $-61M ·
Stock Repurchased 12-point trend, +13422.7% $38M $374.0K $0 $7M $2M $3M $35.0K $718.0K $5M $701.0K $147.0K $282.0K
Net Stock Activity 10-point trend, -25841.5% $-38M $-374.0K $0 $-7M $-2M $-3M · $-718.0K $-5M $-701.0K $-147.0K ·
Dividends Paid 12-point trend, +11.1% $28M $27M $27M $27M $26M $26M $26M $26M $25M $25M $25M $25M
Financing Cash Flow 11-point trend, +182.9% $136M $8M $97M $-231M $232M $623M $138M $-3M $-11M $92M $48M ·
Net Change in Cash 5-point trend, -223.3% · · · · · · · $-109M $-95M $-11M $47M $88M
Taxes Paid 3-point trend, +0.1% $19M $9M $19M · · · · · · · · ·
Free Cash Flow 11-point trend, +11.4% $46M $55M $58M $75M $53M $58M · $64M $58M $53M $56M $41M
Levered FCF 9-point trend, -44.8% · · $17M $70M $47M $40M · $48M $50M $43M $46M $31M
Lucratividade 5
Dados anuais de Lucratividade para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Net Margin 11-point trend, +18.8% 32.5% 28.4% 30.8% 37.7% 34.5% 30.7% · 34.4% 25.0% 25.8% 26.2% 27.4%
Pretax Margin 11-point trend, -3.1% 43.0% 37.3% 40.8% 49.9% 46.1% 40.7% · 44.6% 44.4% 41.4% 41.5% 44.4%
EBITDA Margin 11-point trend, -13.5% 2.6% 2.6% 2.2% 2.1% 2.4% 2.4% · 2.3% 2.2% 2.5% 2.8% 3.0%
ROA 11-point trend, +0.0% 0.96% 0.79% 0.96% 1.2% 1.0% 0.94% · 1.2% 0.88% 0.89% 0.90% 0.96%
ROE 11-point trend, -21.5% 8.9% 7.3% 9.2% 12.7% 10.4% 9.3% · 12.7% 9.4% 9.8% 10.2% 11.3%
Liquidez e Solvência 1
Dados anuais de Liquidez e Solvência para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Debt / Equity 11-point trend, -63.6% 0.2 0.1 0.1 0.2 0.4 0.4 · 0.3 0.5 0.5 0.5 0.5
Eficiência 1
Dados anuais de Eficiência para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Asset Turnover 11-point trend, -15.9% 0.0 0.0 0.0 0.0 0.0 0.0 · 0.0 0.0 0.0 0.0 0.0
Por Ação 6
Dados anuais de Por Ação para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Book Value / Share 5-point trend, +21.8% $38.08 $35.56 $33.92 $31.54 $31.28 · · · · · · ·
Revenue / Share 11-point trend, +487.3% $10.00 $9.02 $10.00 $10.42 $9.26 $1.77 · $1.85 $1.80 $1.73 $1.69 $1.70
Cash Flow / Share 11-point trend, +486.4% $3.07 $3.12 $3.37 $4.11 $2.87 $0.64 · $0.70 $0.64 $0.57 $0.63 $0.52
Cash / Share 5-point trend, -36.1% $40.51 $33.74 $30.38 $34.20 $63.45 · · · · · · ·
Dividend / Share 12-point trend, +463.8% $1 $1 $1 $1 $1 $1 $1 $0 $0 $0 $0 $0
EPS (TTM) 12-point trend, +597.4% $3.25 $2.57 $3.08 $3.93 $3.19 $2.72 $2.98 $0.64 $0.45 $0.45 $0.44 $0.47
Taxas de Crescimento 10
Dados anuais de Taxas de Crescimento para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +111.2% 9.4% -9.7% -4.6% 11.8% 4.5% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -153.7% -2.0% -1.2% 3.6% · · · · · · · · ·
Revenue CAGR 5Y 1.9% · · · · · · · · · · ·
EPS YoY 5-point trend, +53.1% 26.5% -16.6% -21.6% 23.2% 17.3% · · · · · · ·
EPS CAGR 3Y 3-point trend, -245.2% -6.1% -7.0% 4.2% · · · · · · · · ·
EPS CAGR 5Y 3.6% · · · · · · · · · · ·
Net Income YoY 5-point trend, +45.7% 25.2% -16.7% -22.1% 22.3% 17.3% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -276.3% -6.7% -7.4% 3.8% · · · · · · · · ·
Net Income CAGR 5Y 3.1% · · · · · · · · · · ·
Dividend CAGR 5Y 0.96% · · · · · · · · · · ·
Avaliação (TTM) 17
Dados anuais de Avaliação (TTM) para TRST
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +16.5% $188M $172M $190M $199M $178M $171M $174M $179M $173M $165M $161M $161M
Net Income TTM 12-point trend, +38.3% $61M $49M $59M $75M $62M $52M $58M $61M $43M $43M $42M $44M
Market Cap 5-point trend, +16.4% $745M $634M $591M $715M $640M · · · · · · ·
Enterprise Value 5-point trend, +140.3% $135M $77M $102M $187M $-335M · · · · · · ·
P/E 12-point trend, -83.7% 12.7 13.0 10.1 9.6 10.4 12.3 14.5 53.9 102.7 98.3 69.1 77.9
P/S 5-point trend, +10.5% 4.0 3.7 3.1 3.6 3.6 · · · · · · ·
P/B 5-point trend, +1.9% 1.1 0.9 0.9 1.2 1.1 · · · · · · ·
P / Tangible Book 5-point trend, +1.9% 1.1 0.9 0.9 1.2 1.1 · · · · · · ·
P / Cash Flow 5-point trend, +11.9% 12.9 10.7 9.2 9.1 11.6 · · · · · · ·
P / FCF 5-point trend, +33.7% 16.3 11.6 10.1 9.6 12.2 · · · · · · ·
EV / EBITDA 5-point trend, +135.3% 28.0 16.9 24.7 45.7 -79.3 · · · · · · ·
EV / FCF 5-point trend, +146.3% 2.9 1.4 1.7 2.5 -6.4 · · · · · · ·
EV / Revenue 5-point trend, +138.2% 0.7 0.4 0.5 0.9 -1.9 · · · · · · ·
Dividend Yield 5-point trend, -9.5% 3.7% 4.3% 4.6% 3.8% 4.1% · · · · · · ·
Earnings Yield 12-point trend, +514.1% 7.9% 7.7% 9.9% 10.4% 9.6% 8.2% 6.9% 1.8% 0.97% 1.0% 1.5% 1.3%
Payout Ratio 11-point trend, -19.7% 45.2% 56.1% 46.7% 35.9% 42.7% 50.2% · 41.6% 58.4% 58.8% 59.1% 56.2%
Annual Payout 12-point trend, +11.1% $28M $27M $27M $27M $26M $26M $26M $26M $25M $25M $25M $25M

Demonstrações Financeiras Demonstração de resultados, balanço patrimonial, fluxo de caixa — anual, últimos 5 anos

Demonstração de Resultados
2025-12-312024-12-312023-12-312022-12-312021-12-31
Lucro líquido $61M$49M$59M$75M$62M
EPS Diluído $3.25$2.57$3.08$3.93$3.19
Balanço Patrimonial
2025-12-312024-12-312023-12-312022-12-312021-12-31
Dívida / Patrimônio Líquido 0.20.10.10.20.4
Fluxo de Caixa
2025-12-312024-12-312023-12-312022-12-312021-12-31
Fluxo de caixa livre $46M$55M$58M$75M$53M

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