TrustCo Bank Corp NY
TRSTFinancial Services · Stock · quarterly payer
Forward Yield
2.83%
Annual Dividend
$1.60
Payout Ratio
42%
5-Yr Growth
1.7%
Ex-Date
Sep 4, 2026
Frequency
Quarterly
Summary
As of September 2026, TrustCo Bank Corp NY (TRST) yields 2.83% ($1.60 per share annually), with a blended fair-value estimate of $49.92 — -12% downside, so it screens as fairly valued. Dividend safety grade: A (89/100). 1 years of dividend growth.
Is TRST a good dividend stock?
YesTrustCo Bank Corp NY (TRST) pays a quarterly dividend yielding 2.83% ($1.60/yr), with 1 year of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (42%)
- 69% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
Key Data
- Dividend Yield
- 2.83%
- Payout Ratio
- 42%
- Annual Dividend
- $1.60
- 5-Yr Avg Growth
- 1.7%
- Ex-Dividend Date
- Sep 4, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 0.64
- Market Cap
- $965.0M
- P/E Ratio
- 15.7
- 5-Yr Total Return
- 69%
- 52-Week Range
- $34.31 – $59.28
- Dividend Safety
- A · 89/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
TRST Price — Last 12 Months
Daily close
Price Return
1 Year
+50%
3 Years
+122%
5 Years
+69%
52-Week Range
$34.31 – $59.28
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is TRST worth?
Fairly valuedlow confidenceOur blended fair-value estimate for TrustCo Bank Corp NY is $49.92 per share, versus a market price of $56.67. That implies the stock is roughly fairly priced.
Fair Value
$49.92
Current Price
$56.67
Gap
-12%
Margin of Safety
-14%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.5% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $3.60 EPS, $1.60 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
TRST Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 4, 2026 | — | $0.4000 | regular |
| Jun 5, 2026 | — | $0.3800 | regular |
| Mar 6, 2026 | — | $0.3800 | regular |
| Dec 5, 2025 | — | $0.3800 | regular |
| Sep 5, 2025 | — | $0.3800 | regular |
| Jun 6, 2025 | — | $0.3600 | regular |
| Mar 7, 2025 | — | $0.3600 | regular |
| Dec 6, 2024 | — | $0.3600 | regular |
| Sep 6, 2024 | — | $0.3600 | regular |
| Jun 7, 2024 | — | $0.3600 | regular |
| Feb 29, 2024 | — | $0.3600 | regular |
| Nov 30, 2023 | — | $0.3600 | regular |
| Aug 31, 2023 | — | $0.3600 | regular |
| Jun 1, 2023 | — | $0.3600 | regular |
Income Calculator
At $1.60 / yr per share
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