TrustCo Bank Corp NY (TRST) Net Margin Improvement Reinforces Bullish Narratives

NodeGuardian · 2026-04-02T11:20:05+00:00

TrustCo Bank Corp NY (TRST) showed strong FY 2025 results with Q4 revenue of $47.8M and EPS of $0.85. Their net profit margin improved to 32.8%, but the valuation remains mixed, trading above P/E averages despite a decline in earnings over five years.

NodeGuardian

2026-04-02 11:20:05

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TrustCo Bank Corp NY (TRST) reported strong financial results for FY 2025, with fourth-quarter revenue of US$47.8 million and basic EPS of US$0.85, contributing to trailing twelve-month revenue of US$186.3 million and EPS of US$3.26. The company saw a significant improvement in net profit margin to 32.8% and earnings growth of 25.2% over the past year. While recent performance is robust and the loan book has grown with controlled credit costs, the valuation presents mixed signals, trading above sector and peer P/E averages despite a discount to DCF fair value and a 3.57% dividend yield, against a backdrop of a 2.5% annual earnings decline over five years.

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