Trustco Bank N Y (FRA:TC50) Moat Score: 4/10 (As of Jul. 05, 2026)


FRA:TC50 Trustco Bank Corp N Y FRA:TC50
58 GF Score
Price €47.60
GF Value €31.54
! 8 Warning Signs
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What is Trustco Bank N Y Moat Score?

Trustco Bank N Y FRA:TC50 -0.83% 58 Moat Score is 4 as of Jul. 05, 2026. GuruFocus rates FRA:TC50 with a GF Score™ of 58/100 and a GF Value™ of €31.54. The stock has 8 warning signs investors should review. Among 1,612 Banks companies, Trustco Bank N Y ranks better than 86.23% on this metric.

Trustco Bank N Y has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Trustco Bank N Y has Narrow Moat: Trustco Bank has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, intellectual property, or regulatory barriers that would strengthen its position further.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Trustco Bank N Y might have Narrow Moat - Discernible but modest moat.

Trustco Bank N Y  (FRA:TC50) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Trustco Bank N Y Moat Score Related Terms

FRA:TC50 vs HAFC, SBNC, NBBK: Moat Score Comparison

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

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

* The bar in red indicates where Trustco Bank N Y's Moat Score falls into.


FRA:TC50
58GF Score
Trustco Bank Corp N Y FRA:TC50
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Trustco Bank N Y (FRA:TC50) has a Moat Score of 4 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Trustco Bank N Y ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Trustco Bank N Y's Moat Score too high?
Trustco Bank N Y's current Moat Score is 4. Based on the distribution chart, Trustco Bank N Y ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to HAFC and SBNC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #222 out of 1612 companies for Moat Score. This places Trustco Bank N Y in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Trustco Bank N Y's current Moat Score is 4. 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 Moat Score of 4. The stock's GF Value™ is €31.54, compared to a current price of €47.60 — trading 50.9% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current Moat Score is 4 as of Jul. 05, 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 €47.60 is trading 50.9% above its estimated GF Value™ of €31.54.

Key valuation signals for FRA:TC50:

  • Moat Score: 4
  • GF Value™: €31.54 vs. price of €47.60 (50.9% 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

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

€47.60
Price
€31.54
GF Value