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Trustco Bank N YFRA:TC50 +4.17%56 5-Year Yield-on-Cost % is 2.97 as of Jul. 25, 2026, which is 29% below its 10-year median of 4.19. GuruFocus rates FRA:TC50 with a GF Score™ of 56/100 and a GF Value™ of €31.53. The stock has 8 warning signs investors should review. Among 1,250 Banks companies, Trustco Bank N Y ranks worse than 66.96% on this metric.
Trustco Bank N Y's yield on cost for the quarter that ended in Mar. 2026 was 2.97.
The historical rank and industry rank for Trustco Bank N Y's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:TC50'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.85 Med: 4.19 Max: 6.36
Current: 2.97
During the past 13 years, Trustco Bank N Y's highest Yield on Cost was 6.36. The lowest was 2.85. And the median was 4.19.
FRA:TC50's 5-Year Yield-on-Cost % is ranked worse than 66.96% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs FRA:TC50: 2.97
Trustco Bank N Y (FRA:TC50) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Trustco Bank N Y 5-Year Yield-on-Cost % Related Terms
FRA:TC50 vs HAFC, SBNC, NBBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Trustco Bank N Y's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Trustco Bank N Y's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Trustco Bank N Y's 5-Year Yield-on-Cost % falls into.
Trustco Bank N Y 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Trustco Bank N Y (FRA:TC50) has a 5-Year Yield-on-Cost % of 2.97 as of Jul. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Trustco Bank N Y and its competitors. This is 29% below median its historical median of 4.19. Over the past decade, Trustco Bank N Y's 5-Year Yield-on-Cost % has ranged from 2.85 to 6.36. According to the industry distribution chart, Trustco Bank N Y ranks #837 out of 1250 companies in the Banks industry, placing it in the top 67%.
Is Trustco Bank N Y's 5-Year Yield-on-Cost % too high?
Trustco Bank N Y's current 5-Year Yield-on-Cost % of 2.97 is 29% below median its 10-year median of 4.19. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 6.36. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Trustco Bank N Y's value of 2.97 is 23.6% below this industry median. Based on the distribution chart, Trustco Bank N Y ranks #837 out of 1250 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to HAFC and SBNC?
According to the Banks industry distribution chart, Trustco Bank N Y ranks #837 out of 1250 companies for 5-Year Yield-on-Cost %. This places Trustco Bank N Y in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Trustco Bank N Y's value of 2.97 is 23.6% below this benchmark. Historically, Trustco Bank N Y's own 5-Year Yield-on-Cost % has ranged from 2.85 to 6.36 over the past decade. While the company's 10-year median is 4.19 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trustco Bank N Y's current 5-Year Yield-on-Cost % of 2.97 is 23.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Trustco Bank N Y and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trustco Bank N Y's current 5-Year Yield-on-Cost % is 2.97, which is 29% below median its own 10-year median of 4.19. 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 5-Year Yield-on-Cost % of 2.97. The stock's GF Value™ is €31.53, compared to a current price of €50.00 — trading 58.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.97, which is 29% below median its 10-year median of 4.19 and 23.6% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Trustco Bank N Y (FRA:TC50), the current 5-Year Yield-on-Cost % is 2.97 as of Jul. 25, 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 €50.00 is trading 58.6% above its estimated GF Value™ of €31.53.
Key valuation signals for FRA:TC50:
5-Year Yield-on-Cost %: 2.97 (29% below median its 10-year median of 4.19)
GF Value™: €31.53 vs. price of €50.00 (58.6% above fair value)
Industry Position: 23.6% below the Banks median (#837 of 1250)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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