Trustco Bank N Y (FRA:TC50) Cyclically Adjusted Revenue per Share: €9.69 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:TC50 Trustco Bank Corp N Y FRA:TC50
58 GF Score
Price €47.40
GF Value €31.22
! 8 Warning Signs
View Full Analysis

What is Trustco Bank N Y Cyclically Adjusted Revenue per Share?

Trustco Bank N Y FRA:TC50 +0.85% 58 Cyclically Adjusted Revenue per Share is €9.69 as of Mar. 2026. GuruFocus rates FRA:TC50 with a GF Score™ of 58/100 and a GF Value™ of €31.22. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Trustco Bank N Y's adjusted revenue per share for the three months ended in Mar. 2026 was €2.398. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €9.69 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Trustco Bank N Y's average Cyclically Adjusted Revenue Growth Rate was 2.10% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 1.60% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 3.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 2.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Trustco Bank N Y was 5.90% per year. The lowest was -1.50% per year. And the median was 1.80% per year.

As of today (2026-07-19), Trustco Bank N Y's current stock price is €47.40. Trustco Bank N Y's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €9.69. Trustco Bank N Y's Cyclically Adjusted PS Ratio of today is 4.89.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Trustco Bank N Y was 5.02. The lowest was 2.32. And the median was 3.57.


Trustco Bank N Y  (FRA:TC50) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Trustco Bank N Y's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=47.40/9.69
=4.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Trustco Bank N Y was 5.02. The lowest was 2.32. And the median was 3.57.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Trustco Bank N Y Cyclically Adjusted Revenue per Share Related Terms


Trustco Bank N Y Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Trustco Bank N Y's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Trustco Bank N Y Cyclically Adjusted Revenue per Share Chart

Trustco Bank N Y Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.34 9.80 9.88 10.20 9.39

Trustco Bank N Y Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.10 9.12 9.34 9.39 9.69

FRA:TC50 vs HAFC, SBNC, NBBK: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Trustco Bank N Y's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Trustco Bank N Y Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Trustco Bank N Y's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Trustco Bank N Y's Cyclically Adjusted PS Ratio falls into.


FRA:TC50
58GF Score
Trustco Bank Corp N Y FRA:TC50
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trustco Bank N Y Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Trustco Bank N Y's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.398/330.2130*330.2130
=2.398

Current CPI (Mar. 2026) = 330.2130.

Trustco Bank N Y Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.932 241.018 2.647
201609 1.927 241.428 2.636
201612 2.048 241.432 2.801
201703 2.052 243.801 2.779
201706 1.994 244.955 2.688
201709 1.920 246.819 2.569
201712 1.904 246.524 2.550
201803 1.849 249.554 2.447
201806 1.977 251.989 2.591
201809 1.993 252.439 2.607
201812 2.051 251.233 2.696
201903 2.028 254.202 2.634
201906 2.014 256.143 2.596
201909 2.040 256.759 2.624
201912 1.964 256.974 2.524
202003 2.053 258.115 2.626
202006 1.893 257.797 2.425
202009 1.871 260.280 2.374
202012 1.843 260.474 2.336
202103 1.939 264.877 2.417
202106 1.928 271.696 2.343
202109 1.951 274.310 2.349
202112 2.064 278.802 2.445
202203 2.140 287.504 2.458
202206 2.370 296.311 2.641
202209 2.757 296.808 3.067
202212 2.674 296.797 2.975
202303 2.535 301.836 2.773
202306 2.360 305.109 2.554
202309 2.305 307.789 2.473
202312 2.076 306.746 2.235
202403 2.002 312.332 2.117
202406 2.120 314.175 2.228
202409 2.064 315.301 2.162
202412 2.172 315.605 2.273
202503 2.203 319.799 2.275
202506 2.127 322.561 2.177
202509 2.166 324.800 2.202
202512 2.245 324.054 2.288
202603 2.398 330.213 2.398

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €9.69 mean?
Trustco Bank N Y (FRA:TC50) has a Cyclically Adjusted Revenue per Share of €9.69 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Trustco Bank N Y and its competitors.
Is Trustco Bank N Y's Cyclically Adjusted Revenue per Share too high?
Trustco Bank N Y's current Cyclically Adjusted Revenue per Share is €9.69. Overall, Trustco Bank N Y has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Trustco Bank N Y's Cyclically Adjusted Revenue per Share compare to HAFC and SBNC?
Trustco Bank N Y's Cyclically Adjusted Revenue per Share of €9.69 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Trustco Bank N Y and its competitors. Trustco Bank N Y's current Cyclically Adjusted Revenue per Share is €9.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trustco Bank N Y stock overvalued right now?
Trustco Bank N Y (FRA:TC50) has a current Cyclically Adjusted Revenue per Share of €9.69. The stock's GF Value™ is €31.22, compared to a current price of €47.40 — trading 51.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is €9.69. Trustco Bank N Y's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current Cyclically Adjusted Revenue per Share is €9.69 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Trustco Bank N Y (FRA:TC50) Overvalued in 2026?

Based on GuruFocus' analysis, Trustco Bank N Y stock appears to be overvalued. The current stock price of €47.40 is trading 51.8% above its estimated GF Value™ of €31.22.

Key valuation signals for FRA:TC50:

  • Cyclically Adjusted Revenue per Share: €9.69
  • GF Value™: €31.22 vs. price of €47.40 (51.8% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:TC50 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Trustco Bank N Y Business Description

Other Exchanges TRST:USA
Address 5 Sarnowski Drive, Glenville, NY, USA, 12302
Trustco Bank Corp N Y is a savings and loan holding company. The core part of a business consists of accepting deposits and making loans and investments. It offers a range of both personal and business banking services. The company's product includes savings accounts; retirement accounts; money market account; mortgages; building loans; auto loans and others. The company derives revenue from the business of Banking. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.
58GF Score

Get the complete analysis for FRA:TC50

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€47.40
Price
€31.22
GF Value