Trustco Bank N Y (FRA:TC50) E10: €3.05 (As of Mar. 2026)


FRA:TC50 Trustco Bank Corp N Y FRA:TC50
58 GF Score
Price €47.20
GF Value €31.26
! 8 Warning Signs
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What is Trustco Bank N Y E10?

Trustco Bank N Y FRA:TC50 +1.29% 58 E10 is €3.05 as of Mar. 2026. GuruFocus rates FRA:TC50 with a GF Score™ of 58/100 and a GF Value™ of €31.26. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Trustco Bank N Y's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.787. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €3.05 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Trustco Bank N Y's average E10 Growth Rate was 4.40% per year. During the past 3 years, the average E10 Growth Rate was 3.00% per year. During the past 5 years, the average E10 Growth Rate was 5.90% per year. During the past 10 years, the average E10 Growth Rate was 4.80% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Trustco Bank N Y was 12.50% per year. The lowest was -7.60% per year. And the median was 4.40% per year.

As of today (2026-06-27), Trustco Bank N Y's current stock price is €47.20. Trustco Bank N Y's E10 for the quarter that ended in Mar. 2026 was €3.05. Trustco Bank N Y's Shiller PE Ratio of today is 15.48.

During the past 13 years, the highest Shiller PE Ratio of Trustco Bank N Y was 20.31. The lowest was 7.59. And the median was 12.35.


Trustco Bank N Y  (FRA:TC50) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Trustco Bank N Y's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=47.20/3.05
=15.48

* 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 Shiller P/E Ratio of Trustco Bank N Y was 20.31. The lowest was 7.59. And the median was 12.35.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Trustco Bank N Y E10 Related Terms


Trustco Bank N Y E10 Historical Data

* Premium members only.

The historical data trend for Trustco Bank N Y's E10 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 E10 Chart

Trustco Bank N Y Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.39 2.94 3.02 3.13 2.94

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
E10 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 3.10 2.82 2.91 2.94 3.05

FRA:TC50 vs SBNC, FSBC, CCNE: E10 Comparison

For the Banks - Regional subindustry, Trustco Bank N Y's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Trustco Bank N Y's Shiller PE Ratio falls into.


FRA:TC50
58GF Score
Trustco Bank Corp N Y FRA:TC50
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Trustco Bank N Y E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.787/330.2130*330.2130
=0.787

Current CPI (Mar. 2026) = 330.2130.

Trustco Bank N Y Quarterly Data

per share eps CPI Adj_EPS
201606 0.485 241.018 0.664
201609 0.508 241.428 0.695
201612 0.536 241.432 0.733
201703 0.533 243.801 0.722
201706 0.565 244.955 0.762
201709 0.550 246.819 0.736
201712 0.321 246.524 0.430
201803 0.620 249.554 0.820
201806 0.685 251.989 0.898
201809 0.673 252.439 0.880
201812 0.730 251.233 0.959
201903 0.664 254.202 0.863
201906 0.668 256.143 0.861
201909 0.690 256.759 0.887
201912 0.644 256.974 0.828
202003 0.624 258.115 0.798
202006 0.519 257.797 0.665
202009 0.620 260.280 0.787
202012 0.588 260.474 0.745
202103 0.613 264.877 0.764
202106 0.621 271.696 0.755
202109 0.740 274.310 0.891
202112 0.748 278.802 0.886
202203 0.808 287.504 0.928
202206 0.880 296.311 0.981
202209 1.020 296.808 1.135
202212 1.038 296.797 1.155
202303 0.869 301.836 0.951
202306 0.794 305.109 0.859
202309 0.721 307.789 0.774
202312 0.477 306.746 0.513
202403 0.589 312.332 0.623
202406 0.613 314.175 0.644
202409 0.613 315.301 0.642
202412 0.563 315.605 0.589
202503 0.694 319.799 0.717
202506 0.685 322.561 0.701
202509 0.733 324.800 0.745
202512 0.726 324.054 0.740
202603 0.787 330.213 0.787

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €3.05 mean?
Trustco Bank N Y (FRA:TC50) has a E10 of €3.05 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Trustco Bank N Y and its competitors.
Is Trustco Bank N Y's E10 too high?
Trustco Bank N Y's current E10 is €3.05. 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 E10 compare to SBNC and FSBC?
Trustco Bank N Y's E10 of €3.05 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Trustco Bank N Y and its competitors. Trustco Bank N Y's current E10 is €3.05. 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 E10 of €3.05. The stock's GF Value™ is €31.26, compared to a current price of €47.20 — trading 51% above its estimated fair value. The current E10 is €3.05. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current E10 is €3.05 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 €47.20 is trading 51% above its estimated GF Value™ of €31.26.

Key valuation signals for FRA:TC50:

  • E10: €3.05
  • GF Value™: €31.26 vs. price of €47.20 (51% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€47.20
Price
€31.26
GF Value