TrustCo Bank Corp NY (TRST) Stock Score, Valuation & Financial Research
TrustCo Bank Corp NY is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 49/100.
Quick answer for TRST
TrustCo Bank Corp NY currently has a Wall Street Score of 49/100. The stored market price is $57.37. Its financial score is 43/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What TrustCo Bank Corp NY does
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 conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset a
TRST financial snapshot
- Wall Street Score:
- 49/100
- Current price:
- $57.37
- Market capitalization:
- $976.9M
- Revenue:
- $241.4M
- Net income:
- $65.1M
- Free cash flow:
- $45.7M
- Cash:
- $44.5M
- Total debt:
- $108.4M
- EPS:
- 3.25
- P/E ratio:
- 17.7x
- Financial score:
- 43/100
- Valuation score:
- 93/100
- Revenue score:
- 25/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $45.7M, showing positive cash generation.
- The balance sheet shows $44.5M of cash versus $108.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 43/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research TRST
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.