TrustCo Bank Corp NY
TRSTFinancial ServicesNASDAQBanks - Regional
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Daily timeframeTrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. At a $905.4M market cap, TrustCo Bank Corp NY ranks as a small-cap company within financial services. It accepts deposits; and offers loans and investments.
Market Cap
$905.4M
Beta
0.61
P/E (TTM)
15.19
P/E (Fwd)
18.05
EPS (TTM)
$3.41
EPS (Fwd)
$2.87
ROE
9.3%
ROA
1.0%
Cash
$768.1M
Total Debt
$148.8M
Free CF
—
52W Change
68.9%
Annual Financials
Cash vs Debt
TrustCo Bank Corp NY holds $768.1M in cash against $148.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 9.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $199.4M (2022) to $187.9M (2025).
The relatively low beta of 0.61 suggests TRST is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for TrustCo Bank Corp NY and its sector.