Trustco Bank Ny's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Trustco Bank Ny (TRST) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Trustco Bank Ny vs Its Competitors
- TTM: Trailing 12-month revenue of 224M vs 701,730M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-9.2% annualized vs trailing 12 months), vs accelerating (+10.0%) for its tracked peer group.
- Growth: Trustco Bank Ny generated 10.7% revenue growth year over year in Q2 2026, vs 26.4% for its tracked competitors combined.
- Profitability: Its 33.4% net margin compares with 28.7% for the peer group.
- Scale: Trustco Bank Ny ranks #81 of 216 companies by market capitalization in the Regional Banks industry, holding 0.1% of industry market cap.
- Peer revenue share: Trustco Bank Ny accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.30M compares with $0.51M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
TRST Sales vs. its Competitors, Q2 2026
Trustco Bank Ny reported revenue growth of 10.67 % year on year in Q2 2026, below its competitors' combined revenue growth of 26.36 %.
With a net margin of 33.36 %, Trustco Bank Ny achieved higher profitability than its competitors (28.69 %).
Trustco Bank Ny generated 0.03 % of the combined sales of its peer group, up from 0.03 % a year earlier.
Trustco Bank Ny vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Trustco Bank Ny and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Trustco Bank Corp Ny | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Trustco Bank Ny's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 10.7% for Trustco Bank Ny. Trustco Bank Ny's share of combined industry revenue moved from 0.03% to 0.04%, a gain of 0.01 percentage points.
Trustco Bank Ny's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Trustco Bank Corp Ny | - | - | - | Yes |
| Competitors combined (157) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
TRST Stock Performance relative to its Competitors
TRST Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Trustco Bank Ny's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Trustco Bank Ny's Comment on Competition and Industry Peers
Factors affecting the acquisition of deposits include pricing, office locations and hours of operation, the variety of deposit accounts offered, and the quality of customer service provided. While loan demand has moderated, competition for loans has remained strong over the last several years. Commercial banks, savings institutions, traditional mortgage brokers affiliated with local offices and nationally franchised real estate brokers are all active and aggressive competitors. The Company competes in this environment by providing a full range of financial services based on a tradition of financial strength and integrity dating from its inception. The Company competes for loans principally through the interest rates and loan fees it charges and the efficiency and quality of services it provides to borrowers.
Publicly Traded Peers of Trustco Bank Corp Ny
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Trustco Bank Corp Ny | 948.93 | 223.95 |
| Jpmorgan Chase and Co | 902,503.12 | 186,328.00 |
| Bank Of America Corporation | 400,889.23 | 121,098.00 |
| Wells Fargo and Company | 247,505.30 | 83,940.00 |
| Citigroup inc | 232,300.80 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,662,718.53 | 804,677.05 |
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Sources: Trustco Bank Corp Ny's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Trustco Bank Corp Ny versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Trustco Bank Ny's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| New York State. The Company | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Trustco Bank Ny's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Trustco Bank Ny's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
| Lionsgate Studios Corp | Motion Picture 61.44 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Trustco Bank Ny's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Trustco Bank Corp Ny | 949 | 301,412 | 87,581 |
| Jpmorgan Chase and Co | 902,503 | 584,995 | 200,752 |
| Bank Of America Corporation | 400,889 | 568,535 | 158,005 |
| Wells Fargo and Company | 247,505 | 351,213 | 95,100 |
| Citigroup inc | 232,301 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,661,770 | 507,375 | 132,206 |
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Trustco Bank Ny's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Trustco Bank Ny's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Trustco Bank Ny's industry classification, broader than the peer set above. Market cap in millions of $.Trustco Bank Ny ranks #81 of 198 companies by market capitalization in its industry, holding 0.13 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 522, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 114,515 | 14.99 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,305 | 9.46 % |
| 3 | State Street Corp | 50,345 | 6.59 % |
| 4 | Fifth Third Bancorp | 47,438 | 6.21 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | Northern Trust Corporation | 1,234 | 5.2% |
| 7 | M and t Bank Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 81 | Trustco Bank Corp Ny | 964 | 0.13 % |
Market cap and industry share for the rest of Trustco Bank Ny's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-29.
Trustco Bank Ny's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 76 | Metrocity Bankshares inc | 1,009 | 21.45 % |
| 77 | Business First Bancshares Inc | 1,005 | 26.72 % |
| 78 | Equity Bancshares Inc | 1,002 | 17.08 % |
| 79 | Cnb Financial Corp | 997 | 32.19 % |
| 80 | Horizon Bancorp Inc | 1,234 | 12.3% |
| 81 | Trustco Bank Corp Ny | 964 | 43.20 % |
| 82 | Central Pacific Financial Corp | 1,234 | 12.3% |
| 83 | Five Star Bancorp | 1,234 | 12.3% |
| 84 | Mid Penn Bancorp Inc | 1,234 | 12.3% |
| 85 | Southside Bancshares Inc | 1,234 | 12.3% |
| 86 | First Community Bankshares Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Trustco Bank Ny's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-29. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Trustco Bank Ny's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.7x | 15.6x | -0.9x |
| EV / EBITDA | 2.3x | 6.2x | -3.9x |
| P/B | 1.4x | 1.3x | +0.1x |
| Return on Equity | 9.62 % | industry aggregate | -1.26 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Trustco Bank Ny's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 3.88 % | -1.76 % | -5.22 % | 11.29 % | 8.67 % | -5.42 % | -12.03 % | - |
| Operating Margin | 44.91 % | 43.91 % | 42.05 % | 44.69 % | 49.77 % | 41.08 % | 37.14 % | - |
| Return on Invested Capital | 8.39 % | 7.16 % | 6.23 % | 6.88 % | 2.53 % | 1.16 % | 0.90 % | - |
| P/E | 58.6x | 72.3x | 11.9x | 12.9x | 9.5x | 9.4x | 13.5x | 13.0x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Trustco Bank Ny's BCG Growth-Share Matrix
Relative market share (vs Trustco Bank Ny's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Trustco Bank Ny falls in the Question Mark quadrant: relative market share of 0.01x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Trustco Bank Ny's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 522 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Trustco Bank Ny's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Trustco Bank Ny's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Trustco Bank Ny's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Trustco Bank Ny falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Trustco Bank Ny's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-9.2% annualized vs trailing 12 months).
- Low relative market share vs the industry leader (0.01x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Trustco Bank Ny's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Trustco Bank Corp Ny | 0.08 | 1.46 | 0.16 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Trustco Bank Ny's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Trustco Bank Corp Ny | Q2 2026 | +10.7 % | +12.8 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +24.8 % | +49.1 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Trustco Bank Ny's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Trustco Bank Corp Ny | Q2 2026 | +0.0 % | +17.5 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Trustco Bank Ny's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Trustco Bank Corp Ny | 1.01% | 1.83% | 9.62% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Trustco Bank Ny's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Trustco Bank Corp Ny | 15.25 | 4.24 |
| Jpmorgan Chase and Co | 14.10 | 4.84 |
| Bank Of America Corporation | 12.66 | 3.31 |
| Wells Fargo and Company | 11.77 | 2.95 |
| Citigroup inc | 16.27 | 2.63 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.70 | 3.31 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.