The historical rank and industry rank for Trustco Bank N Y's ROE % or its related term are showing as below:
FRA:TC50'
s ROE % Range Over the Past 10 Years
Min: 7.39 Med: 9.88 Max: 12.96
Current: 9.2
During the past 13 years, Trustco Bank N Y's highest ROE % was 12.96%. The lowest was 7.39%. And the median was 9.88%.
FRA:TC50's ROE % is ranked worse than 57.48% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FRA:TC50: 9.20
Trustco Bank N Y (FRA:TC50) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Trustco Bank N Y ROE % Related Terms
Trustco Bank N Y ROE % Historical Data
* Premium members only.
The historical data trend for Trustco Bank N Y's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's ROE % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Trustco Bank N Y (FRA:TC50) has a ROE % of 9.66% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Trustco Bank N Y and its competitors. This is near median its historical median of 9.88. Over the past decade, Trustco Bank N Y's ROE % has ranged from 7.39 to 12.96. According to the industry distribution chart, Trustco Bank N Y ranks #876 out of 1524 companies in the Banks industry, placing it in the top 57.5%.
Is Trustco Bank N Y's ROE % too high?
Trustco Bank N Y's current ROE % of 9.66% is near median its 10-year median of 9.88. Over the past 10 years, this metric has ranged from a low of 7.39 to a high of 12.96. The Banks industry median ROE % is 10.22. Trustco Bank N Y's value of 9.66% is 5.5% below this industry median. Based on the distribution chart, Trustco Bank N Y ranks #876 out of 1524 companies in the Banks industry, which is below the industry midpoint. 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 ROE % compare to SBNC and FSBC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #876 out of 1524 companies for ROE %. This places Trustco Bank N Y in the lower half of its industry. The industry median ROE % is 10.22. Trustco Bank N Y's value of 9.66% is 5.5% below this benchmark. Historically, Trustco Bank N Y's own ROE % has ranged from 7.39 to 12.96 over the past decade. While the company's 10-year median is 9.88 vs. the industry median of 10.22, Trustco Bank N Y has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current ROE % of 9.66% is 5.5% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current ROE % is 9.66%, which is near median its own 10-year median of 9.88. 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 ROE % of 9.66%. The stock's GF Value™ is €31.09, compared to a current price of €47.20 — trading 51.8% above its estimated fair value. The current ROE % is 9.66%, which is near median its 10-year median of 9.88 and 5.5% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current ROE % is 9.66% 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 51.8% above its estimated GF Value™ of €31.09.
Key valuation signals for FRA:TC50:
ROE %: 9.66% (near median its 10-year median of 9.88)
GF Value™: €31.09 vs. price of €47.20 (51.8% above fair value)
Industry Position: 5.5% below the Banks median (#876 of 1524)
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 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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