TrustCo Bank Corp NY 2026 Forecast | Price, Valuation & Growth

TrustCo Bank Corp NY

NasdaqGS:TRST

$ 42,75

$-0,63 (-1,45%)

42,75 $

$-0,63 (-1,45%)

End-of-day quote: 03/27/2026

TrustCo Bank Corp NY Stock Value

Analysts currently rate NasdaqGS:TRST as sf_Data Unavailable.

TrustCo Bank Corp NY Company Info

EPS Growth 5Y

3,16%

Market Cap

$0,76 B

Long-Term Debt

$0,00 B

Short Interest

3,94%

Quarterly earnings

04/20/2026

Dividend

$1,50

Dividend Yield

3,50%

Founded

1902

Industry

Financials

Country

United States

ISIN Number

US8983492047

Website

http://www.trustcobank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

There are currently no price targets available for this stock.

In the last five quarters, TrustCo Bank Corp NY’s Price Target has risen from $29,00 to $29,00 - a 0,00% increase. One analysts predict that TrustCo Bank Corp NY’s share price will fall in the coming year, reaching $0,00. This would represent a decrease of -100,00%.

Top growth stocks in the financials sector (5Y.)

What does TrustCo Bank Corp NY do?

TrustCo Bank Corp NY (TrustCo) operates as the bank holding company for Trustco Bank that provides general banking services to individuals and business. Subsidiaries Trustco Bank The bank is a federal savings bank engaged in providing general banking services to individuals and business. The bank provides a wide range of both personal and business banking services, including a full array of deposit products for both individuals and businesses. The bank also offers trust and investment servic...

TrustCo Bank Corp NY (TrustCo) operates as the bank holding company for Trustco Bank that provides general banking services to individuals and business.

Subsidiaries

Trustco Bank

The bank is a federal savings bank engaged in providing general banking services to individuals and business.

The bank provides a wide range of both personal and business banking services, including a full array of deposit products for both individuals and businesses. The bank also offers trust and investment services through its Financial Services Department. The bank is supervised and regulated by the federal Office of the Comptroller of the Currency (OCC). Its deposits are insured by the Federal Deposit Insurance Corporation (FDIC) to the extent permitted by law. The bank’s subsidiary, Trustco Realty Corp., is a real estate investment trust (or REIT) that was formed to acquire, hold and manage real estate mortgage assets, including residential mortgage loans and mortgage-backed securities.

Trustco Financial Services, the name under which the bank’s trust department operates, serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, provides estate planning and related advice, provides custodial services, and acts as trustee for various types of employee benefit plans and corporate pension and profit-sharing trusts.

ORE Subsidiary Corp.

In 1993, the company created ORE Subsidiary Corp., a New York corporation, to hold and manage certain foreclosed properties acquired by the bank.

Market Area

At year-end 2024, the bank operated various automatic teller machines and 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. The largest part of such business consists of accepting deposits and making loans and investments. Trustco Bank also lends in Essex and Fulton counties of New York; Essex, Hudson, Morris, and Passaic counties of New Jersey; and Collier, Lee, Marion, Pasco, Pinellas, St. Johns, St. Lucie, and Sumter counties of Florida, where it has no branch locations. The bank’s locations are selected to be easily accessible and provide convenient services to businesses and individuals throughout its market area.

The company’s market area has a high level of retail and commercial business activity. Businesses are concentrated in the service sector and retail trade areas. Major employers in its market area include certain medical centers, municipalities, and school districts.

Lending Activities

Residential Real Estate Loans

The company originates 1-4 family, owner-occupied residential real estate loans. Historically, vast majority of residential loan originations are fixed-rate loans which are held in portfolio. Residential real estate loans also include home equity lines of credit, or HELOCs, and home equity loans. The company’s home equity portfolio includes revolving open-ended equity loans with interest-only or minimal monthly principal payments and closed-end amortizing loans. Open-ended equity loans typically have an interest-only draw period followed by a repayment period.

Commercial Loans

Commercial loans are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral and personal or other guarantees. The majority of its commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory.

Commercial Real Estate Loans

Commercial real estate loans are primarily made based on identified cash flows of the borrower with consideration given to underlying real estate collateral and personal guarantees. Generally, the company requires appraisals for loans that are secured by real property.

Consumer Loans

The company’s consumer loan portfolio includes personal installment loans, automobile financing, and overdraft lines of credit. The majority of its consumer loans are short-term.

Deposit Accounts

Deposits are attracted from within the company’s market area by the sales efforts of the company’s branch network, commercial loan officers, advertising and through its website. The company offers a broad selection of deposit instruments, including noninterest-bearing demand deposits (such as checking accounts), interest-bearing demand accounts (such as NOW and money market accounts), savings accounts and term certificates of deposit. The company also offers a variety of deposit accounts designed for businesses operating in its market area. The company’s business banking deposit products include a commercial checking account, sweep accounts, money market accounts and checking accounts specifically designed for businesses. The company also offers remote deposit capture products for customers to meet their online banking needs.

Investment Portfolio

As of December 31, 2024, the company’s investment portfolio included U.S. government sponsored enterprises; state and political subdivisions; mortgage backed securities and collateralized mortgage obligations-residential; corporate bonds; Small Business Administration-guaranteed participation securities; and other securities.

Supervision and Regulation

As a savings and loan holding company, the company and its non-bank subsidiaries are supervised and regulated by the Board of Governors of the Federal Reserve System (Federal Reserve Board). The OCC is the bank’s primary federal regulator and supervises and examines the bank. Under the Home Owners’ Loan Act of 1934 and OCC regulations, the bank must obtain prior OCC approval for acquisitions, and its business operations and activities are restricted. Because the FDIC provides deposit insurance to the bank, the bank is also subject to its supervision and regulation even though the FDIC is not the bank’s primary federal regulator.

The company and the bank are subject to regulatory capital requirements contained in rules published by the Federal Reserve Board, OCC, and FDIC that establish a comprehensive capital framework for all U.S. banking organizations, including the company and the bank.

The activities of savings and loan holding companies are governed, and limited, by the Home Owners’ Loan Act and the Federal Reserve Board’s regulations. In general, the company’s activities are limited to those permissible for multiple savings and loan holding companies (that is, savings and loan holding companies owning more than one savings association subsidiary) as of March 5, 1987, activities permitted for bank holding companies as of November 12, 1999, and activities permissible for financial holding companies. Activities permitted to multiple savings and loan holding companies include certain real estate investment activities, and other activities permitted to bank holding companies under the Bank Holding Company Act.

The company’s common stock is registered with the SEC under Section 12(b) of the Exchange Act, and the company is subject to restrictions, reporting requirements and review procedures under federal securities laws and regulations. The company is also subject to the rules and reporting requirements of The Nasdaq Stock Market LLC, on which its common stock is traded.

Deposits of the bank are insured by the Deposit Insurance Fund (DIF) of the FDIC, and the bank is subject to deposit insurance assessments to maintain the DIF.

The bank is required to pay assessments to the OCC to fund the agency’s operations. The general assessments, paid on a semi-annual basis, is computed upon its total assets, including consolidated subsidiaries, as reported in the bank’s latest quarterly financial report.

As a savings institution regulated by the OCC, the bank must be a ‘qualified thrift lender’ under either the Qualified Thrift Lender (QTL) test under the Home Owners’ Loan Act or the Internal Revenue Code’s Domestic Building and Loan Association (DBLA) test to avoid certain restrictions on its and the company’s operations and activities.

The bank’s transactions with affiliates (generally, any company that controls or is under common control with the bank, including the company) is limited by Sections 23A and 23B of the Federal Reserve Act and the Federal Reserve Board’s implementing Regulation W. Under these laws, the aggregate amount of covered transactions between the bank and any one affiliate is limited to 10% of the bank’s capital stock and surplus, and the aggregate amount of covered transactions by the bank with all of its affiliates is limited to 20% of capital stock and surplus. Certain covered transactions are required to be secured by collateral in an amount and of a type described in Section 23A and Regulation W.

The Federal Reserve Board and the OCC have extensive enforcement authority over savings institutions and their holding companies, including the bank and the company.

In addition to the other laws and regulations, the bank is subject to consumer laws and regulations designed to protect consumers in transactions with financial institutions. These laws and regulations include among others, the Truth in Lending Act, the Truth in Savings Act, the Electronic Funds Transfer Act, the Expedited Funds Availability Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Fair Credit Reporting Act and the Real Estate Settlement Procedures Act. These laws and regulations mandate certain disclosure requirements and regulate the manner in which financial institutions must deal with customers when taking deposits from, making loans to, or engaging in other types of transactions with, such customers.

The bank is a member of Federal Home Loan Bank (FHLB) of New York. The bank is also required to purchase and maintain stock in the FHLB of New York at or above levels specified in the FHLB of New York capital plan. The bank was rated satisfactory in its last Community Reinvestment Act (CRA) examination.

History

TrustCo Bank Corp NY was founded in 1902. The company was incorporated in 1981.

TrustCo Bank Corp NY Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by sectors:** - Mortgage loans: approx. 60% - Deposits and savings products: approx. 25% - Commercial loans: approx. 15% **TOP 3 markets and their percentage shares:** - New York: approx. 50% - Florida: approx. 30% - Massachusetts: approx. 20% TrustCo Bank Corp NY generates...

At which locations are the company’s products manufactured?

**Production:** No physical production TrustCo Bank Corp NY is a financial services company and not a manufacturing company. It offers banking services such as deposits, loans, and other financial products. Therefore, TrustCo Bank Corp NY does not have production facilities for physical products. R...

What strategy does TrustCo Bank Corp NY pursue for future growth?

**Current Dividend Yield:** 4.5% (2026) **Core Strategy:** Focus on organic growth and regional expansion TrustCo Bank Corp NY pursues a strategy based on organic growth and increased regional expansion. The company plans to strengthen its presence in existing markets by opening new branches and e...

Which raw materials are imported and from which countries?

**Current data on commodity imports:** Not available (2026) TrustCo Bank Corp NY is a financial institution and not a production or trading company that directly imports commodities or materials. Banks are generally not involved in the physical trading of commodities, but rather provide financial s...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 12.5% (2025) **Cost Efficiency Ratio:** 55% (2025) **Market Share in the Northeastern USA:** 2% (Estimated 2025) TrustCo Bank Corp NY has a solid return on equity of 12.5%, indicating efficient capital utilization. This metric is at the upper end of the industry and...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 65% (estimated, 2026) **Insider Buys/Sells:** No significant changes (estimated, 2026) The institutional investor share in TrustCo Bank Corp NY is estimated to be around 65%. This is typical for companies of this size and industry, as institutional investors ofte...

What percentage market share does TrustCo Bank Corp NY have?

**Market share of TrustCo Bank Corp NY:** Estimated 0.5% (2026) **Main competitors and their market shares:** 1. JPMorgan Chase & Co. - 10% 2. Bank of America - 9% 3. Wells Fargo - 8% 4. Citigroup - 7% 5. U.S. Bancorp - 4% 6. Truist Financial - 3% 7. PNC Financial Services - 3% 8. Capital One -...

Is TrustCo Bank Corp NY stock currently a good investment?

**Revenue Growth:** 3.5% (2025) **Profit Growth:** 4.2% (2025) **Dividend Yield:** 4.0% (2025) TrustCo Bank Corp NY recorded a moderate revenue growth of 3.5% in 2025, indicating stable business operations and a solid customer base. The profit growth of 4.2% shows that the company was able to s...

Does TrustCo Bank Corp NY pay a dividend – and how reliable is the payout?

**Dividend Yield:** 4.2% (estimated for 2026) **Dividend History:** Continuous payout for over 10 years TrustCo Bank Corp NY has a long history of dividend payments, indicating a reliable payout. The dividend yield of 4.2% is attractive and suggests a solid income source for investors. The compa...

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TrustCo Bank Corp NY Stock Value

TrustCo Bank Corp NY Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does TrustCo Bank Corp NY do?

TrustCo Bank Corp NY Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

TrustCo Bank Corp NY Stock Value

TrustCo Bank Corp NY Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does TrustCo Bank Corp NY do?

TrustCo Bank Corp NY Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.