TRUSTCO BANK CORP N Y (TRST)
State Commercial Banks · Financial Services · $924M
Intrinsic Value (Consensus)
$79.86
Current Price
$52.79
Margin of Safety
+51.3%
51.3% Below Intrinsic Value
Value: $80
Price: $53
Valuation Model Estimates
Current Price: $52.79
DCF (Discounted Cash Flow)
$122.52
Graham Number
$53.55
Earnings Power Value
$31.55
Relative Value (P/E)
$65.00
Dividend Discount Model
$126.67
Consensus Value
$79.86
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $3.25
- EPS (Forward)
- $3.90
- Book Value
- $39.22
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance