TrustCo Bank Corp NY
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from TrustCo Bank Corp NY's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 6%
Sales fell 6% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-6% / +7%In 3 years sales changed by -6% while total assets changed by +7%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
TrustCo Bank Corp NY owes $0.90 for every $1 it owns. Net profit rose 25% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
15.5Investors pay $15.5 for every $1 of TrustCo Bank Corp NY's yearly profit, higher than 65% of Financial Services companies in United States.
P/B ratio
1.44The share price is 1.44 times TrustCo Bank Corp NY's book value per share, higher than 64% of Financial Services companies in United States.
Market cap
$945 MThe total market value of all of TrustCo Bank Corp NY's shares at today's price (share price × number of shares), larger than 55% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$656 MWhat TrustCo Bank Corp NY would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$38.53Net worth divided by the number of shares. The share price of $55.47 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
9.7%TrustCo Bank Corp NY earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
Owes vs Owns
0.90×TrustCo Bank Corp NY owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.96%TrustCo Bank Corp NY pays 2.96% of its share price as dividends a year, higher than 53% of dividend-paying Financial Services companies in United States.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+25%Net profit rose 25% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Profit margin
32.5%TrustCo Bank Corp NY keeps $33 of every $100 of revenue as net profit.
Questions
What is TrustCo Bank Corp NY's P/E ratio?
Investors pay $15.5 for every $1 of TrustCo Bank Corp NY's yearly profit, higher than 65% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For TrustCo Bank Corp NY: $945 M ÷ $656 M (30 Jun 2026) = 1.4.
What is TrustCo Bank Corp NY's return on equity?
TrustCo Bank Corp NY earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
How much does TrustCo Bank Corp NY owe compared with what it owns?
TrustCo Bank Corp NY owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does TrustCo Bank Corp NY pay a dividend?
Yes. TrustCo Bank Corp NY pays 2.96% of its share price as dividends a year, higher than 53% of dividend-paying Financial Services companies in United States.
Is TrustCo Bank Corp NY's revenue growing?
Revenue rose 9% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.