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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Trustco Bank N Y's 3-Year RORE % for the quarter that ended in Mar. 2026 was 8.66%.
The industry rank for Trustco Bank N Y's 3-Year RORE % or its related term are showing as below:
FRA:TC50's 3-Year RORE % is ranked better than 57.58% of 1471
companies
in the Banks industry
Industry Median: 9.92
vs FRA:TC50: 8.66
Trustco Bank N Y (FRA:TC50) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Trustco Bank N Y 3-Year RORE % Related Terms
Trustco Bank N Y 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Trustco Bank N Y's 3-Year RORE % 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.
FRA:TC50 vs HAFC, SBNC, NBBK: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Trustco Bank N Y's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Trustco Bank N Y (FRA:TC50) has a 3-Year RORE % of 8.66 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Trustco Bank N Y and its competitors. According to the industry distribution chart, Trustco Bank N Y ranks #624 out of 1471 companies in the Banks industry, placing it in the top 42.4%.
Is Trustco Bank N Y's 3-Year RORE % too high?
Trustco Bank N Y's current 3-Year RORE % is 8.66. The Banks industry median 3-Year RORE % is 9.92. Trustco Bank N Y's value of 8.66 is 12.7% below this industry median. Based on the distribution chart, Trustco Bank N Y ranks #624 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, Trustco Bank N Y has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Trustco Bank N Y's 3-Year RORE % compare to HAFC and SBNC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #624 out of 1471 companies for 3-Year RORE %. This puts Trustco Bank N Y in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Trustco Bank N Y's value of 8.66 is 12.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current 3-Year RORE % of 8.66 is 12.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current 3-Year RORE % is 8.66. 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 3-Year RORE % of 8.66. The stock's GF Value™ is €31.20, compared to a current price of €47.00 — trading 50.6% above its estimated fair value. The current 3-Year RORE % is 8.66 and 12.7% below the Banks industry median of 9.92. Trustco Bank N Y's overall GF Score™ is 56/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current 3-Year RORE % is 8.66 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 €47.00 is trading 50.6% above its estimated GF Value™ of €31.20.
Key valuation signals for FRA:TC50:
3-Year RORE %: 8.66
GF Value™: €31.20 vs. price of €47.00 (50.6% above fair value)
Industry Position: 12.7% below the Banks median (#624 of 1471)
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.
56GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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