Trustco Bank N YTRST +0.60%58 EV-to-FCF is 17.70 as of Jun. 24, 2026, which is 17% above its 10-year median of 15.15. GuruFocus rates TRST with a GF Score™ of 58/100 and a GF Value™ of $36.20 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,191 Banks companies, Trustco Bank N Y ranks worse than 80.52% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Trustco Bank N Y's Enterprise Value is $1,047.4 Mil.
Trustco Bank N Y's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $59.2 Mil. Therefore, Trustco Bank N Y's EV-to-FCF for today is 17.70.
The historical rank and industry rank for Trustco Bank N Y's EV-to-FCF or its related term are showing as below:
TRST'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.98 Med: 15.15 Max: 21.27
Current: 17.7
During the past 13 years, the highest EV-to-FCF of Trustco Bank N Y was 21.27. The lowest was 7.98. And the median was 15.15.
TRST's EV-to-FCF is ranked worse than 80.52% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs TRST: 17.70
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Trustco Bank N Y's PE Ratio (TTM) for today is calculated as:
Trustco Bank N Y's share price for today is $53.89.
Trustco Bank N Y's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.410.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Trustco Bank N Y EV-to-FCF Related Terms
Trustco Bank N Y EV-to-FCF Historical Data
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The historical data trend for Trustco Bank N Y's EV-to-FCF 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.
For the Banks - Regional subindustry, Trustco Bank N Y's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's EV-to-FCF falls into.
Trustco Bank N Y's current Enterprise Value is $1,047.4 Mil.
Trustco Bank N Y's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $59.2 Mil.
* 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 (TRST) has a EV-to-FCF of 17.70 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Trustco Bank N Y and its competitors. This is 17% above median its historical median of 15.15. Over the past decade, Trustco Bank N Y's EV-to-FCF has ranged from 7.98 to 21.27. According to the industry distribution chart, Trustco Bank N Y ranks #959 out of 1191 companies in the Banks industry, placing it in the top 80.5%.
Is Trustco Bank N Y's EV-to-FCF too high?
Trustco Bank N Y's current EV-to-FCF of 17.70 is 17% above median its 10-year median of 15.15. Over the past 10 years, this metric has ranged from a low of 7.98 to a high of 21.27. The Banks industry median EV-to-FCF is 6.56. Trustco Bank N Y's value of 17.70 is 169.8% above this industry median. Based on the distribution chart, Trustco Bank N Y ranks #959 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Trustco Bank N Y has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Trustco Bank N Y's EV-to-FCF compare to SBNC and FSBC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #959 out of 1191 companies for EV-to-FCF. This places Trustco Bank N Y in the lower half of its industry. The industry median EV-to-FCF is 6.56. Trustco Bank N Y's value of 17.70 is 169.8% above this benchmark. Historically, Trustco Bank N Y's own EV-to-FCF has ranged from 7.98 to 21.27 over the past decade. While the company's 10-year median is 15.15 vs. the industry median of 6.56, Trustco Bank N Y has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current EV-to-FCF of 17.70 is 169.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current EV-to-FCF is 17.70, which is 17% above median its own 10-year median of 15.15. 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?
Based on GuruFocus' analysis, Trustco Bank N Y (TRST) is currently considered Significantly Overvalued. The stock's GF Value™ is $36.20, compared to a current price of $53.89 — trading 48.9% above its estimated fair value. The current EV-to-FCF is 17.70, which is 17% above median its 10-year median of 15.15 and 169.8% above the Banks industry median of 6.56. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Trustco Bank N Y (TRST), the current EV-to-FCF is 17.70 as of Jun. 24, 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 (TRST) Overvalued in 2026?
Based on GuruFocus' analysis, Trustco Bank N Y stock appears to be overvalued.
The current stock price of $53.89 is trading 48.9% above its estimated GF Value™ of $36.20.
GuruFocus considers Trustco Bank N Y to be Significantly Overvalued.
Key valuation signals for TRST:
EV-to-FCF: 17.70 (17% above median its 10-year median of 15.15)
GF Value™: $36.20 vs. price of $53.89 (48.9% above fair value)
Industry Position: 169.8% above the Banks median (#959 of 1191)
No single metric tells the full story. See the TRST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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