TrustCo Bank Corp Net Income
| TRST Stock | USD 44.98 0.24 0.53% |
As of the 11th of February 2026, TrustCo Bank has the Semi Deviation of 1.44, risk adjusted performance of 0.1212, and Coefficient Of Variation of 691.52. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of TrustCo Bank Corp, as well as the relationship between them.
TrustCo Bank Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.1642 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 56.2 M | 43.9 M | |
| Net Income Applicable To Common Shares | 86.5 M | 51.3 M | |
| Net Income From Continuing Ops | 56.2 M | 55.8 M | |
| Net Income Per Share | 3.35 | 1.86 | |
| Net Income Per E B T | 0.76 | 0.54 |
TrustCo | Net Income | Build AI portfolio with TrustCo Stock |
The evolution of Net Income for TrustCo Bank Corp provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how TrustCo Bank compares to historical norms and industry peers.
Latest TrustCo Bank's Net Income Growth Pattern
Below is the plot of the Net Income of TrustCo Bank Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in TrustCo Bank Corp financial statement analysis. It represents the amount of money remaining after all of TrustCo Bank Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is TrustCo Bank's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in TrustCo Bank's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 48.83 M | 10 Years Trend |
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Net Income |
| Timeline |
TrustCo Net Income Regression Statistics
| Arithmetic Mean | 47,375,383 | |
| Geometric Mean | 42,653,033 | |
| Coefficient Of Variation | 33.00 | |
| Mean Deviation | 11,541,522 | |
| Median | 44,193,000 | |
| Standard Deviation | 15,634,872 | |
| Sample Variance | 244.4T | |
| Range | 70.3M | |
| R-Value | 0.68 | |
| Mean Square Error | 139.4T | |
| R-Squared | 0.47 | |
| Significance | 0 | |
| Slope | 2,111,868 | |
| Total Sum of Squares | 3911.2T |
TrustCo Net Income History
Other Fundumenentals of TrustCo Bank Corp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
TrustCo Bank Net Income component correlations
TrustCo Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for TrustCo Bank is extremely important. It helps to project a fair market value of TrustCo Stock properly, considering its historical fundamentals such as Net Income. Since TrustCo Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of TrustCo Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of TrustCo Bank's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will TrustCo introduce new products? Factors like these will boost the valuation of TrustCo Bank. If investors know TrustCo will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about TrustCo Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.27 | Dividend Share 1.46 | Earnings Share 3.01 | Revenue Per Share | Quarterly Revenue Growth 0.103 |
Investors evaluate TrustCo Bank Corp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating TrustCo Bank's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause TrustCo Bank's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between TrustCo Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if TrustCo Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, TrustCo Bank's market price signifies the transaction level at which participants voluntarily complete trades.
TrustCo Bank 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to TrustCo Bank's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of TrustCo Bank.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in TrustCo Bank on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding TrustCo Bank Corp or generate 0.0% return on investment in TrustCo Bank over 90 days. TrustCo Bank is related to or competes with NB Bancorp, Five Star, MetroCity Bankshares, Horizon Bancorp, Capital City, CNB Financial, and HomeTrust Bancshares. TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and... More
TrustCo Bank Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure TrustCo Bank's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess TrustCo Bank Corp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.71 | |||
| Information Ratio | 0.0921 | |||
| Maximum Drawdown | 12.39 | |||
| Value At Risk | (1.69) | |||
| Potential Upside | 2.88 |
TrustCo Bank Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for TrustCo Bank's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as TrustCo Bank's standard deviation. In reality, there are many statistical measures that can use TrustCo Bank historical prices to predict the future TrustCo Bank's volatility.| Risk Adjusted Performance | 0.1212 | |||
| Jensen Alpha | 0.1811 | |||
| Total Risk Alpha | 0.063 | |||
| Sortino Ratio | 0.0952 | |||
| Treynor Ratio | 0.3169 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of TrustCo Bank's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
TrustCo Bank February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1212 | |||
| Market Risk Adjusted Performance | 0.3269 | |||
| Mean Deviation | 1.25 | |||
| Semi Deviation | 1.44 | |||
| Downside Deviation | 1.71 | |||
| Coefficient Of Variation | 691.52 | |||
| Standard Deviation | 1.76 | |||
| Variance | 3.11 | |||
| Information Ratio | 0.0921 | |||
| Jensen Alpha | 0.1811 | |||
| Total Risk Alpha | 0.063 | |||
| Sortino Ratio | 0.0952 | |||
| Treynor Ratio | 0.3169 | |||
| Maximum Drawdown | 12.39 | |||
| Value At Risk | (1.69) | |||
| Potential Upside | 2.88 | |||
| Downside Variance | 2.91 | |||
| Semi Variance | 2.07 | |||
| Expected Short fall | (1.37) | |||
| Skewness | (0.02) | |||
| Kurtosis | 3.52 |
TrustCo Bank Corp Backtested Returns
TrustCo Bank appears to be very steady, given 3 months investment horizon. TrustCo Bank Corp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.13, which indicates the firm had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for TrustCo Bank Corp, which you can use to evaluate the volatility of the company. Please review TrustCo Bank's Semi Deviation of 1.44, coefficient of variation of 691.52, and Risk Adjusted Performance of 0.1212 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, TrustCo Bank holds a performance score of 10. The entity has a beta of 0.77, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, TrustCo Bank's returns are expected to increase less than the market. However, during the bear market, the loss of holding TrustCo Bank is expected to be smaller as well. Please check TrustCo Bank's sortino ratio, semi variance, as well as the relationship between the Semi Variance and day typical price , to make a quick decision on whether TrustCo Bank's existing price patterns will revert.
Auto-correlation | 0.47 |
Average predictability
TrustCo Bank Corp has average predictability. Overlapping area represents the amount of predictability between TrustCo Bank time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of TrustCo Bank Corp price movement. The serial correlation of 0.47 indicates that about 47.0% of current TrustCo Bank price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.47 | |
| Spearman Rank Test | 0.46 | |
| Residual Average | 0.0 | |
| Price Variance | 2.69 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
TrustCo Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, TrustCo Bank Corp reported net income of 48.83 M. This is 96.18% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 91.45% higher than that of the company.
TrustCo Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses TrustCo Bank's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of TrustCo Bank could also be used in its relative valuation, which is a method of valuing TrustCo Bank by comparing valuation metrics of similar companies.TrustCo Bank is currently under evaluation in net income category among its peers.
TrustCo Bank ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, TrustCo Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to TrustCo Bank's managers, analysts, and investors.Environmental | Governance | Social |
TrustCo Bank Institutional Holders
Institutional Holdings refers to the ownership stake in TrustCo Bank that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of TrustCo Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing TrustCo Bank's value.| Shares | Arrowstreet Capital Limited Partnership | 2025-06-30 | 258.2 K | Goldman Sachs Group Inc | 2025-06-30 | 243 K | Northern Trust Corp | 2025-06-30 | 212.8 K | Royce & Associates, Lp | 2025-06-30 | 205.8 K | Aqr Capital Management Llc | 2025-06-30 | 204 K | Bank Of New York Mellon Corp | 2025-06-30 | 193.8 K | Amvescap Plc. | 2025-06-30 | 184.4 K | Charles Schwab Investment Management Inc | 2025-06-30 | 171.6 K | Ubs Group Ag | 2025-06-30 | 171.4 K | Blackrock Inc | 2025-06-30 | 2.7 M | Vanguard Group Inc | 2025-06-30 | 1.3 M |
TrustCo Fundamentals
| Return On Equity | 0.0835 | ||||
| Return On Asset | 0.0091 | ||||
| Profit Margin | 0.31 % | ||||
| Operating Margin | 0.47 % | ||||
| Current Valuation | 173.65 M | ||||
| Shares Outstanding | 18.42 M | ||||
| Shares Owned By Insiders | 3.35 % | ||||
| Shares Owned By Institutions | 80.76 % | ||||
| Number Of Shares Shorted | 417.01 K | ||||
| Price To Earning | 69.51 X | ||||
| Price To Book | 1.19 X | ||||
| Price To Sales | 4.47 X | ||||
| Revenue | 278.33 M | ||||
| Gross Profit | 181.46 M | ||||
| EBITDA | 89.75 M | ||||
| Net Income | 48.83 M | ||||
| Cash And Equivalents | 841.26 M | ||||
| Cash Per Share | 44.16 X | ||||
| Total Debt | 192.84 M | ||||
| Debt To Equity | 10.46 % | ||||
| Book Value Per Share | 37.30 X | ||||
| Cash Flow From Operations | 59.44 M | ||||
| Short Ratio | 4.65 X | ||||
| Earnings Per Share | 3.01 X | ||||
| Price To Earnings To Growth | 3.73 X | ||||
| Target Price | 26.0 | ||||
| Number Of Employees | 743 | ||||
| Beta | 0.66 | ||||
| Market Capitalization | 733.46 M | ||||
| Total Asset | 6.44 B | ||||
| Retained Earnings | 480 M | ||||
| Annual Yield | 0.04 % | ||||
| Five Year Return | 3.78 % | ||||
| Net Asset | 6.44 B | ||||
| Last Dividend Paid | 1.46 |
About TrustCo Bank Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze TrustCo Bank Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of TrustCo Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of TrustCo Bank Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for TrustCo Stock Analysis
When running TrustCo Bank's price analysis, check to measure TrustCo Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy TrustCo Bank is operating at the current time. Most of TrustCo Bank's value examination focuses on studying past and present price action to predict the probability of TrustCo Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move TrustCo Bank's price. Additionally, you may evaluate how the addition of TrustCo Bank to your portfolios can decrease your overall portfolio volatility.