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Trustco Bank N YTRST +1.24%58 FCF Margin % is 49.52% as of Jun. 2026, which is 51% above its 10-year median of 32.82. GuruFocus rates TRST with a GF Score™ of 58/100 and a GF Value™ of $39.21 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,499 Banks companies, Trustco Bank N Y ranks better than 55.64% on this metric.
The historical data trend for Trustco Bank N Y's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's FCF Margin % falls into.
* 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 FCF Margin % of 49.52% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Trustco Bank N Y and its competitors. This is 51% above median its historical median of 32.82. Over the past decade, Trustco Bank N Y's FCF Margin % has ranged from 24.34 to 37.53. According to the industry distribution chart, Trustco Bank N Y ranks #665 out of 1499 companies in the Banks industry, placing it in the top 44.4%.
Is Trustco Bank N Y's FCF Margin % too high?
Trustco Bank N Y's current FCF Margin % of 49.52% is 51% above median its 10-year median of 32.82. Over the past 10 years, this metric has ranged from a low of 24.34 to a high of 37.53. The Banks industry median FCF Margin % is 27.17. Trustco Bank N Y's value of 49.52% is 82.3% above this industry median. Based on the distribution chart, Trustco Bank N Y ranks #665 out of 1499 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to NBBK and CPF?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #665 out of 1499 companies for FCF Margin %. This puts Trustco Bank N Y in the upper half of its industry. The industry median FCF Margin % is 27.17. Trustco Bank N Y's value of 49.52% is 82.3% above this benchmark. Historically, Trustco Bank N Y's own FCF Margin % has ranged from 24.34 to 37.53 over the past decade. While the company's 10-year median is 32.82 vs. the industry median of 27.17, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current FCF Margin % of 49.52% is 82.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current FCF Margin % is 49.52%, which is 51% above median its own 10-year median of 32.82. 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 $39.21, compared to a current price of $57.28 — trading 46.1% above its estimated fair value. The current FCF Margin % is 49.52%, which is 51% above median its 10-year median of 32.82 and 82.3% above the Banks industry median of 27.17. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Trustco Bank N Y (TRST), the current FCF Margin % is 49.52% as of Jun. 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 $57.28 is trading 46.1% above its estimated GF Value™ of $39.21.
GuruFocus considers Trustco Bank N Y to be Significantly Overvalued.
Key valuation signals for TRST:
FCF Margin %: 49.52% (51% above median its 10-year median of 32.82)
GF Value™: $39.21 vs. price of $57.28 (46.1% above fair value)
Industry Position: 82.3% above the Banks median (#665 of 1499)
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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