As of 2025-07-05, the Fair Value of TrustCo Bank Corp N Y (TRST) is 13.40 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 35.58 USD, the upside of TrustCo Bank Corp N Y is -62.33%.
With the market price of 35.58 USD and our fair value calculation, TrustCo Bank Corp N Y (TRST) is not a good investment. Investing in TrustCo stocks now will result in a potential loss of 62.33%.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 52.50 | 61.50 | 75.20 | 58.65 | 48.83 | 59.34 |
| YoY growth | -9.17% | 17.14% | 22.28% | -22.01% | -16.73% | -1.70% |
| Market Cap (mil) | 676.73 |
| P/E | 13.27x |
| Forward P/E | 13.72x |
| EPS | 2.68 |
| Avg earnings growth rate | -1.70% |
| TTM earnings | 50.98 |