Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 2.79%.
YIELD ON COST (YOC)
2.79%
TRST now pays $1.54 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-10-04) | $35.10 | 4.39% |
| 5 years ago(2021-09-30) | $31.97 | 4.82% |
| 3 years ago(2023-10-03) | $26.93 | 5.72% |
| 1 year ago(2025-10-07) | $36.75 | 4.19% |
| Buying today(at $55.13) | $55.13 | 2.79% |
Projection: starting from today's 2.79% yield, assuming the dividend keeps compounding at 1.9% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
2.79%
In 3 years
2.95%
In 5 years
3.06%
In 10 years
3.37%
Try your own purchase price, dividend and growth rate for TrustCo Bank Corp NY (TRST).
Starting Yield
2.79%
Ending YOC
3.58%
Year 15 Dividend
$1.97
Cum. Dividends Recd.
$26.44
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $1.54 | N/A | 2.79% | $0.00 |
| Year 1 | $1.57 | +1.67% | 2.84% | $1.57 |
| Year 2 | $1.59 | +1.67% | 2.89% | $3.16 |
| Year 3 | $1.62 | +1.67% | 2.94% | $4.78 |
| Year 4 | $1.65 | +1.67% | 2.98% | $6.42 |
| Year 5 | $1.67 | +1.67% | 3.03% | $8.09 |
| Year 6 | $1.70 | +1.67% | 3.09% | $9.80 |
| Year 7 | $1.73 | +1.67% | 3.14% | $11.52 |
| Year 8 | $1.76 | +1.67% | 3.19% | $13.28 |
| Year 9 | $1.79 | +1.67% | 3.24% | $15.07 |
| Year 10 | $1.82 | +1.67% | 3.30% | $16.89 |
| Year 11 | $1.85 | +1.67% | 3.35% | $18.74 |
| Year 12 | $1.88 | +1.67% | 3.41% | $20.61 |
| Year 13 | $1.91 | +1.67% | 3.46% | $22.52 |
| Year 14 | $1.94 | +1.67% | 3.52% | $24.47 |
| Year 15 | $1.97 | +1.67% | 3.58% | $26.44 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
