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TRST logoTrustCo Bank Corp NY(TRST)Earnings, Financials & Key Ratios

TRST•NASDAQ•Banking & Credit
$48.62
$861M mkt cap·15.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryMortgage originators and servicers
AboutTrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.Show more
  • Net Interest Income$169M+11.2%
  • Total Revenue$278M+5.8%
  • Net Income$61M+25.2%
  • Return on Equity8.97%+21.4%
  • Net Interest Margin2.62%+7.7%
  • Efficiency Ratio37.91%-5.7%
  • ROA0.96%+22.5%
  • Equity / Assets10.66%-1.7%
  • Book Value per Share37.46+5.4%
  • Tangible BV/Share37.46+5.4%
  • Debt/Equity0.28+52.0%
Technical→

TRST Key Insights

TrustCo Bank Corp NY (TRST) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 37.9% efficiency ratio
  • ✓Well capitalized: 10.7% equity/assets
  • ✓Healthy dividend yield of 3.1%
  • ✓Share count reduced 3.7% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TRST Price & Volume

TrustCo Bank Corp NY (TRST) stock price & volume — 10-year historical chart

Loading chart...

TRST Growth Metrics

TrustCo Bank Corp NY (TRST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.62%
5 Years7.33%
3 Years10.58%
TTM-

Profit CAGR

10 Years3.77%
5 Years3.11%
3 Years-6.68%
TTM25.2%

EPS CAGR

10 Years3.89%
5 Years3.62%
3 Years-6.14%
TTM26.46%

Return on Capital

10 Years12.92%
5 Years10.7%
3 Years7.92%
Last Year2.79%

TRST Recent Earnings

TrustCo Bank Corp NY (TRST) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (100%)●Beat Revenue 6/12 qtrs (75%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.91
Revenue
$50M
Q2 2026
Mar 16, 2026
EPS
$0.85
Revenue
$71M
Q1 2026
Jan 21, 2026
EPS
$0.85
Est $0.80
+6.3%
Revenue
$71M
Est $49M
+44.8%
Q4 2025
Oct 21, 2025
EPS
$0.86
Est $0.73
+17.8%
Revenue
$48M
Est $47M
+1.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.91
$50M
Q2 2026Mar 16, 2026
$0.85
$71M
Q1 2026Jan 21, 2026
$0.85vs $0.80+6.3%
$71Mvs $49M+44.8%
Q4 2025Oct 21, 2025
$0.86vs $0.73+17.8%
$48Mvs $47M+1.1%
Based on last 12 quarters of dataView full earnings history →

TRST Peer Comparison

TrustCo Bank Corp NY (TRST) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor7.71B52.5312.872.23%15.34%0.79
FISI logoFISIFinancial Institutions, Inc.Direct Competitor695.86M35.359.7943.07%12.26%0.53
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor587.44M14.0519.5113.88%5.48%1.08
CHMG logoCHMGChemung Financial CorporationDirect Competitor322.44M67.0521.42-6.46%6.27%0.02
WAFD logoWAFDWaFd, Inc.Product Competitor2.72B35.6413.55-1.58%8.02%0.60
WSFS logoWSFSWSFS Financial CorporationProduct Competitor3.8B72.1114.17-3.05%10.65%0.11
EGBN logoEGBNEagle Bancorp, Inc.Product Competitor808.45M26.51-6.30-10.35%-10.91%0.13

Compare TRST vs Peers

TrustCo Bank Corp NY (TRST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for TRST.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TRST against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CBSH, FISI, NFBK

TRST Income Statement

TrustCo Bank Corp NY (TRST) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income154.37M160.69M155.81M153.58M160.41M180.13M171.84M151.94M168.97M
NII Growth %5.69%4.09%-3.04%-1.43%4.45%12.3%-4.6%-11.58%11.21%
Net Interest Margin %3.15%3.24%2.98%2.6%2.59%3%2.79%2.44%2.62%
Interest Income168.96M180.91M192.13M178.29M167.98M186.6M226.21M243.32M259.42M
Interest Expense14.59M20.23M36.32M24.71M7.57M6.47M54.36M91.38M90.44M
Loan Loss Provision2M1.4M159K5.6M-5.45M-341K1.25M2M1.2M
Non-Interest Income18.37M18.08M18.59M17.17M17.94M19.26M18.32M19.83M18.92M
Non-Interest Income %9.81%9.09%8.82%8.78%9.65%9.36%7.49%7.54%6.8%
Total Revenue
187.33M▲ 0%
199M▲ 6.2%
210.72M▲ 5.9%
195.46M▼ 7.2%
185.92M▼ 4.9%
205.86M▲ 10.7%
244.52M▲ 18.8%
263.15M▲ 7.6%
278.33M▲ 5.8%
Revenue Growth %3.86%6.23%5.89%-7.24%-4.88%10.73%18.78%7.62%5.77%
Non-Interest Expense93.99M97.71M97.73M95.7M101.66M100.32M111.3M105.73M105.5M
Efficiency Ratio50.17%49.1%46.38%48.96%54.68%48.73%45.52%40.18%37.91%
Operating Income
76.75M▲ 0%
79.65M▲ 3.8%
76.51M▼ 3.9%
69.45M▼ 9.2%
82.13M▲ 18.3%
99.42M▲ 21.0%
77.61M▼ 21.9%
64.05M▼ 17.5%
81.21M▲ 26.8%
Operating Margin %40.97%40.03%36.31%35.53%44.18%48.29%31.74%24.34%29.18%
Operating Income Growth %12.38%3.79%-3.95%-9.23%18.27%21.04%-21.93%-17.48%26.81%
Pretax Income
76.75M▲ 0%
79.65M▲ 3.8%
76.51M▼ 3.9%
69.45M▼ 9.2%
82.13M▲ 18.3%
99.42M▲ 21.0%
77.61M▼ 21.9%
64.05M▼ 17.5%
80.81M▲ 26.2%
Pretax Margin %40.97%40.03%36.31%35.53%44.18%48.29%31.74%24.34%29.04%
Income Tax33.6M18.21M18.67M16.99M20.61M24.18M18.97M15.21M19.68M
Effective Tax Rate %43.78%22.86%24.4%24.47%25.1%24.32%24.44%23.75%24.35%
Net Income
43.15M▲ 0%
61.45M▲ 42.4%
57.84M▼ 5.9%
52.45M▼ 9.3%
61.52M▲ 17.3%
75.23M▲ 22.3%
58.65M▼ 22.0%
48.83M▼ 16.7%
61.14M▲ 25.2%
Net Margin %23.03%30.88%27.45%26.84%33.09%36.55%23.98%18.56%21.97%
Net Income Growth %1.28%42.42%-5.87%-9.32%17.29%22.29%-22.05%-16.73%25.2%
Net Income (Continuing)43.15M61.45M57.84M52.45M61.52M75.23M58.65M48.83M61.14M
EPS (Diluted)
2.24▲ 0%
3.18▲ 42.0%
2.98▼ 6.3%
2.72▼ 8.7%
3.19▲ 17.3%
3.93▲ 23.2%
3.08▼ 21.6%
2.57▼ 16.6%
3.25▲ 26.5%
EPS Growth %0.45%41.96%-6.29%-8.72%17.28%23.2%-21.63%-16.56%26.46%
EPS (Basic)2.253.182.992.723.193.933.082.573.25
Diluted Shares Outstanding19.24M19.33M19.39M19.3M19.26M19.13M19.02M19.04M18.33M

TRST Balance Sheet

TrustCo Bank Corp NY (TRST) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments616.09M550.72M622.02M486.27M456.07M524.94M501.56M344.52M360.99M
Cash & Due from Banks44.13M49.26M48.2M47.2M48.36M43.43M49.27M47.36M50.57M
Short Term Investments571.97M501.46M573.82M439.07M407.71M481.51M452.29M297.16M310.42M
Total Investments4.19B4.35B4.61B4.65B4.81B5.18B5.41B5.41B5.52B
Investments Growth %3.44%3.85%5.9%0.81%3.54%7.57%4.57%-0.03%1.92%
Long-Term Investments3.62B3.85B4.04B4.21B4.4B4.69B4.96B5.11B5.27B
Accounts Receivables000000000
Goodwill & Intangibles000000000
Goodwill000000000
Intangible Assets000000000
PP&E (Net)35.16M34.69M86.1M82.3M81.12M77.28M74.55M70.41M74.34M
Other Assets636.97M521.66M476.71M1.12B1.25B702.95M631.32M709.61M-5.27B
Total Current Assets616.09M550.72M622.02M486.27M456.07M524.94M501.56M344.52M360.99M
Total Non-Current Assets4.29B4.41B4.6B5.42B5.74B5.48B5.67B5.89B74.34M
Total Assets
4.91B▲ 0%
4.96B▲ 1.0%
5.22B▲ 5.3%
5.9B▲ 13.0%
6.2B▲ 5.0%
6B▼ 3.2%
6.17B▲ 2.8%
6.24B▲ 1.1%
6.44B▲ 3.2%
Asset Growth %0.81%1.04%5.29%13.03%4.99%-3.17%2.8%1.14%3.24%
Return on Assets (ROA)0.88%1.25%1.14%0.94%1.02%1.23%0.96%0.79%0.96%
Accounts Payable000000000
Total Debt242.99M161.89M205.22M267.54M297.41M294.38M133.46M124.94M192.84M
Net Debt198.87M112.63M157.02M220.34M249.05M250.95M84.19M77.58M142.27M
Long-Term Debt0000000036.39M
Short-Term Debt242.99M161.89M148.67M214.75M244.69M245.4M88.99M84.78M120.05M
Other Liabilities00000-122.7M38.67M46.48M4.29B
Total Current Liabilities4.45B4.47B4.63B5.28B5.54B5.47B5.44B5.48B1.39B
Total Non-Current Liabilities0056.55M52.78M52.72M-73.72M83.14M86.64M4.36B
Total Liabilities4.45B4.47B4.68B5.33B5.6B5.4B5.52B5.56B5.75B
Total Equity
458.31M▲ 0%
489.87M▲ 6.9%
538.26M▲ 9.9%
568.16M▲ 5.6%
601.13M▲ 5.8%
599.99M▼ 0.2%
645.28M▲ 7.5%
676.34M▲ 4.8%
686.59M▲ 1.5%
Equity Growth %5.92%6.89%9.88%5.56%5.8%-0.19%7.55%4.81%1.51%
Equity / Assets (Capital Ratio)9.34%9.88%10.31%9.63%9.7%10%10.46%10.84%10.66%
Return on Equity (ROE)9.68%12.96%11.25%9.48%10.52%12.53%9.42%7.39%8.97%
Book Value per Share23.8225.3427.7729.4331.2131.3633.9235.5337.46
Tangible BV per Share23.8225.3427.7729.4331.2131.3633.9235.5337.46
Common Stock100M100.17M100.2M20.04M20.05M20.06M20.06M20.1M20.12M
Additional Paid-in Capital175.65M176.71M176.43M256.61M256.66M257.08M257.18M258.87M260.33M
Retained Earnings219.44M256.4M288.07M313.97M349.06M393.83M425.07M446.5M480M
Accumulated OCI-1.81M-10.31M4.46M11.94M12.15M-27.19M-13.24M-3.86M10.02M
Treasury Stock-34.97M-33.1M-30.9M-34.4M-36.78M-43.79M-43.79M-45.27M-83.88M
Preferred Stock000000000

TRST Cash Flow Statement

TrustCo Bank Corp NY (TRST) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations61.69M67.64M63.8M62.16M55.37M78.63M64.13M59.44M57.6M
Operating CF Growth %12.38%9.64%-5.68%-2.57%-10.93%42.01%-18.44%-7.31%-3.09%
Net Income43.15M61.45M57.84M52.45M61.52M75.23M58.65M48.83M61.14M
Depreciation & Amortization3.82M4.11M9.94M10.18M10.6M10.55M10.79M11.44M0
Deferred Taxes-183K2.56M1.14M-1.07M-238K4.11M2.16M1.99M0
Other Non-Cash Items6.52M4.7M2.18M8.1M-1.59M1.56M2.87M1.89M19.98M
Working Capital Changes8.25M-5.34M-7.31M-7.52M-14.93M-12.83M-10.44M-5.42M-23.51M
Cash from Investing-144.88M-173.82M-248.76M-35.35M-175.26M-416.63M-233.59M-3.75M-104.67M
Purchase of Investments-83.03M-61.81M-262.75M-145.34M-139.96M-203.52M-19.68M-42.77M0
Sale/Maturity of Investments147.56M128.88M205.76M291.48M161.55M86.15M59.71M141.16M0
Net Investment Activity64.53M67.08M-56.99M146.14M21.59M-117.36M40.03M98.39M0
Acquisitions000000000
Other Investing-205.8M-237.25M-187.88M-177.65M-194M-295.48M-267.96M-97.25M-104.67M
Cash from Financing-11.34M-2.85M138.1M623.44M232.26M-230.87M96.87M8.12M135.69M
Dividends Paid-25.2M-25.57M-26.39M-26.33M-26.28M-26.99M-27.39M-27.41M-27.62M
Share Repurchases-4.61M-718K-35K-3.49M-2.59M-7M0-374K-38.13M
Stock Issued2.48M2.39M1.79M0000024K
Net Stock Activity-2.13M1.67M1.76M-3.49M-2.59M-7M0-374K-38.11M
Debt Issuance (Net)1000K-1000K-1000K1000K1000K-1000K-1000K-1000K1000K
Other Financing-17.6M102.14M175.95M587.18M231.2M-74.89M157.97M40.11M166.14M
Net Change in Cash
-94.53M▲ 0%
-109.03M▼ 15.3%
-46.86M▲ 57.0%
650.25M▲ 1487.6%
112.37M▼ 82.7%
-568.87M▼ 606.2%
-72.59M▲ 87.2%
63.81M▲ 187.9%
88.61M▲ 38.9%
Exchange Rate Effect000000000
Cash at Beginning707.27M612.74M503.71M456.85M1.11B1.22B650.6M578M641.81M
Cash at End612.74M503.71M456.85M1.11B1.22B650.6M578M641.81M730.43M
Interest Paid14.58M19.74M35.89M25.69M7.88M6.03M51.35M91.17M90.61M
Income Taxes Paid26.13M16.36M16.81M18.18M20.49M19.46M19.06M8.87M19.08M
Free Cash Flow
58.08M▲ 0%
63.99M▲ 10.2%
59.9M▼ 6.4%
58.33M▼ 2.6%
52.52M▼ 9.9%
74.84M▲ 42.5%
58.46M▼ 21.9%
54.56M▼ 6.7%
45.74M▼ 16.2%
FCF Growth %9.91%10.19%-6.39%-2.63%-9.95%42.49%-21.88%-6.68%-16.17%

TRST Banking Ratios

TrustCo Bank Corp NY (TRST) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)10.07%9.68%12.96%11.25%9.48%10.52%12.53%9.42%7.39%8.97%
Return on Assets (ROA)0.89%0.88%1.25%1.14%0.94%1.02%1.23%0.96%0.79%0.96%
Net Interest Margin3%3.15%3.24%2.98%2.6%2.59%3%2.79%2.44%2.62%
Efficiency Ratio52.02%50.17%49.1%46.38%48.96%54.68%48.73%45.52%40.18%37.91%
Equity / Assets8.89%9.34%9.88%10.31%9.63%9.7%10%10.46%10.84%10.66%
Book Value / Share22.6223.8225.3427.7729.4331.2131.3633.9235.5337.46
NII Growth2.03%5.69%4.09%-3.04%-1.43%4.45%12.3%-4.6%-11.58%11.21%
Dividend Payout58.83%58.4%41.61%45.62%50.2%42.72%35.88%46.7%56.13%45.18%

TRST SEC Filings & Documents

TrustCo Bank Corp NY (TRST) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Apr 10, 2026·SEC

Material company update

Feb 17, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 11, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

TRST Frequently Asked Questions

TrustCo Bank Corp NY (TRST) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

TrustCo Bank Corp NY (TRST) grew revenue by 5.8% over the past year. This is steady growth.

Yes, TrustCo Bank Corp NY (TRST) is profitable, generating $61.1M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns

Yes, TrustCo Bank Corp NY (TRST) pays a dividend with a yield of 3.10%. This makes it attractive for income-focused investors.

TrustCo Bank Corp NY (TRST) has a return on equity (ROE) of 9.0%. This is below average, suggesting room for improvement.

Industry Metrics

TrustCo Bank Corp NY (TRST) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

TrustCo Bank Corp NY (TRST) has an efficiency ratio of 37.9%. This is excellent, indicating strong cost control.

Explore More TRST

TrustCo Bank Corp NY (TRST) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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