NASD · Financial · Banks - Regional · USA
Trustco Bank Corp is a small cap company (market value between $300 million and $2 billion) in the Banks - Regional industry.
Trustco Bank Corp is a savings and loan holding company whose principal subsidiary, Trustco Bank, operates as a federal savings bank. The bank provides deposit products, lending services, and trust and investment services to individuals and businesses across New York, Florida, Vermont, Massachusetts, and New Jersey. Its operations include residential and commercial real estate loans, commercial loans, and consumer loans.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Trustco Bank Corp stock.
Overvalued: intrinsic value $45.56 per share, market price $56.26, margin of safety -23.5% (as of 2026-10-30).
Book value at 1.20x, the multiple a 10.0% return on equity justifies, blended with earnings, values the shares at $45.56; the price of $56.26 is 23% above that value.
Leak Score: 50/100 on 12 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
All 324 Banks - Regional stocks
217 more in this industry show a wider margin of safety.
TRST is overvalued (as of the 2026-10-30 close). Book value at 1.20x, the multiple a 10.0% return on equity justifies, blended with earnings, values the shares at $45.56; the price of $56.26 is 23% above that value.
$45.56 per share (as of the 2026-10-30 close), against a market price of $56.26. That is a margin of safety of -23.5%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
50 out of 100, which we rate "Weak Signal", on 12 of 12 value investing signals.