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TrustCo Bank Corp NY(TRST)Earnings, Financials & Key Ratios
TRST•NASDAQ•Banking & Credit
16.1× P/E·Price updated Jun 19, 2026
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%
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 2.9%
- ✓Share count reduced 3.7% through buybacks
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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TRST Price & Volume
TrustCo Bank Corp NY (TRST) stock price & volume — 10-year historical chart
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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
●Beat EPS 7/12 qtrs (88%)●Beat Revenue 6/12 qtrs (75%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.91
—
Rev
$50M
—
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.85
—
Rev
$71M
—
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.85+6.3%
$0.80
Rev
$71M+44.8%
$49M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$0.86+17.8%
$0.73
Rev
$48M+1.1%
$47M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.91 | $50M |
| Q2 2026 | Mar 16, 2026 | $0.85 | $71M |
| Q1 2026 | Jan 21, 2026 | $0.85vs $0.80+6.3% | $71Mvs $49M+44.8% |
| Q4 2025 | Oct 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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CBSH | 8.04B | 54.73 | 13.41 | 2.23% | 26.47% | 15.34% | 0.79 | |
 FISI | 735.42M | 37.36 | 10.35 | 43.07% | 19.86% | 12.26% | 0.53 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 WSFS | 3.91B | 74.14 | 14.57 | -3.05% | 21.14% | 10.65% | 0.11 | |
 EGBN | 841.69M | 27.60 | -6.56 | -10.35% | -20.19% | -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.
TRST Income Statement
TrustCo Bank Corp NY (TRST) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 154.37M | 160.69M | 155.81M | 153.58M | 160.41M | 180.13M | 171.84M | 151.94M | 168.97M |
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 Income | 168.96M | 180.91M | 192.13M | 178.29M | 167.98M | 186.6M | 226.21M | 243.32M | 259.42M |
Interest Expense | 14.59M | 20.23M | 36.32M | 24.71M | 7.57M | 6.47M | 54.36M | 91.38M | 90.44M |
Loan Loss Provision | 2M | 1.4M | 159K | 5.6M | -5.45M | -341K | 1.25M | 2M | 1.2M |
Non-Interest Income | 18.37M | 18.08M | 18.59M | 17.17M | 17.94M | 19.26M | 18.32M | 19.83M | 18.92M |
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 Expense | 93.99M | 97.71M | 97.73M | 95.7M | 101.66M | 100.32M | 111.3M | 105.73M | 105.5M |
Efficiency Ratio | 50.17% | 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 Tax | 33.6M | 18.21M | 18.67M | 16.99M | 20.61M | 24.18M | 18.97M | 15.21M | 19.68M |
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) | 43.15M | 61.45M | 57.84M | 52.45M | 61.52M | 75.23M | 58.65M | 48.83M | 61.14M |
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) | 2.25 | 3.18 | 2.99 | 2.72 | 3.19 | 3.93 | 3.08 | 2.57 | 3.25 |
Diluted Shares Outstanding | 19.24M | 19.33M | 19.39M | 19.3M | 19.26M | 19.13M | 19.02M | 19.04M | 18.33M |
TRST Balance Sheet
TrustCo Bank Corp NY (TRST) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 616.09M | 550.72M | 622.02M | 486.27M | 456.07M | 524.94M | 501.56M | 344.52M | 360.99M |
Cash & Due from Banks | 44.13M | 49.26M | 48.2M | 47.2M | 48.36M | 43.43M | 49.27M | 47.36M | 50.57M |
Short Term Investments | 571.97M | 501.46M | 573.82M | 439.07M | 407.71M | 481.51M | 452.29M | 297.16M | 310.42M |
Total Investments | 4.19B | 4.35B | 4.61B | 4.65B | 4.81B | 5.18B | 5.41B | 5.41B | 5.52B |
Investments Growth % | 3.44% | 3.85% | 5.9% | 0.81% | 3.54% | 7.57% | 4.57% | -0.03% | 1.92% |
Long-Term Investments | 3.62B | 3.85B | 4.04B | 4.21B | 4.4B | 4.69B | 4.96B | 5.11B | 5.27B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 35.16M | 34.69M | 86.1M | 82.3M | 81.12M | 77.28M | 74.55M | 70.41M | 74.34M |
Other Assets | 636.97M | 521.66M | 476.71M | 1.12B | 1.25B | 702.95M | 631.32M | 709.61M | -5.27B |
Total Current Assets | 616.09M | 550.72M | 622.02M | 486.27M | 456.07M | 524.94M | 501.56M | 344.52M | 360.99M |
Total Non-Current Assets | 4.29B | 4.41B | 4.6B | 5.42B | 5.74B | 5.48B | 5.67B | 5.89B | 74.34M |
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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 242.99M | 161.89M | 205.22M | 267.54M | 297.41M | 294.38M | 133.46M | 124.94M | 192.84M |
Net Debt | 198.87M | 112.63M | 157.02M | 220.34M | 249.05M | 250.95M | 84.19M | 77.58M | 142.27M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36.39M |
Short-Term Debt | 242.99M | 161.89M | 148.67M | 214.75M | 244.69M | 245.4M | 88.99M | 84.78M | 120.05M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | -122.7M | 38.67M | 46.48M | 4.29B |
Total Current Liabilities | 4.45B | 4.47B | 4.63B | 5.28B | 5.54B | 5.47B | 5.44B | 5.48B | 1.39B |
Total Non-Current Liabilities | 0 | 0 | 56.55M | 52.78M | 52.72M | -73.72M | 83.14M | 86.64M | 4.36B |
Total Liabilities | 4.45B | 4.47B | 4.68B | 5.33B | 5.6B | 5.4B | 5.52B | 5.56B | 5.75B |
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 Share | 23.82 | 25.34 | 27.77 | 29.43 | 31.21 | 31.36 | 33.92 | 35.53 | 37.46 |
Tangible BV per Share | 23.82 | 25.34 | 27.77 | 29.43 | 31.21 | 31.36 | 33.92 | 35.53 | 37.46 |
Common Stock | 100M | 100.17M | 100.2M | 20.04M | 20.05M | 20.06M | 20.06M | 20.1M | 20.12M |
Additional Paid-in Capital | 175.65M | 176.71M | 176.43M | 256.61M | 256.66M | 257.08M | 257.18M | 258.87M | 260.33M |
Retained Earnings | 219.44M | 256.4M | 288.07M | 313.97M | 349.06M | 393.83M | 425.07M | 446.5M | 480M |
Accumulated OCI | -1.81M | -10.31M | 4.46M | 11.94M | 12.15M | -27.19M | -13.24M | -3.86M | 10.02M |
Treasury Stock | -34.97M | -33.1M | -30.9M | -34.4M | -36.78M | -43.79M | -43.79M | -45.27M | -83.88M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
TRST Cash Flow Statement
TrustCo Bank Corp NY (TRST) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 61.69M | 67.64M | 63.8M | 62.16M | 55.37M | 78.63M | 64.13M | 59.44M | 57.6M |
Operating CF Growth % | 12.38% | 9.64% | -5.68% | -2.57% | -10.93% | 42.01% | -18.44% | -7.31% | -3.09% |
Net Income | 43.15M | 61.45M | 57.84M | 52.45M | 61.52M | 75.23M | 58.65M | 48.83M | 61.14M |
Depreciation & Amortization | 3.82M | 4.11M | 9.94M | 10.18M | 10.6M | 10.55M | 10.79M | 11.44M | 0 |
Deferred Taxes | -183K | 2.56M | 1.14M | -1.07M | -238K | 4.11M | 2.16M | 1.99M | 0 |
Other Non-Cash Items | 6.52M | 4.7M | 2.18M | 8.1M | -1.59M | 1.56M | 2.87M | 1.89M | 19.98M |
Working Capital Changes | 8.25M | -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 | -42.77M | 0 |
Sale/Maturity of Investments | 147.56M | 128.88M | 205.76M | 291.48M | 161.55M | 86.15M | 59.71M | 141.16M | 0 |
Net Investment Activity | 64.53M | 67.08M | -56.99M | 146.14M | 21.59M | -117.36M | 40.03M | 98.39M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -205.8M | -237.25M | -187.88M | -177.65M | -194M | -295.48M | -267.96M | -97.25M | -104.67M |
Cash from Financing | -11.34M | -2.85M | 138.1M | 623.44M | 232.26M | -230.87M | 96.87M | 8.12M | 135.69M |
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 | -7M | 0 | -374K | -38.13M |
Stock Issued | 2.48M | 2.39M | 1.79M | 0 | 0 | 0 | 0 | 0 | 24K |
Net Stock Activity | -2.13M | 1.67M | 1.76M | -3.49M | -2.59M | -7M | 0 | -374K | -38.11M |
Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K |
Other Financing | -17.6M | 102.14M | 175.95M | 587.18M | 231.2M | -74.89M | 157.97M | 40.11M | 166.14M |
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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 707.27M | 612.74M | 503.71M | 456.85M | 1.11B | 1.22B | 650.6M | 578M | 641.81M |
Cash at End | 612.74M | 503.71M | 456.85M | 1.11B | 1.22B | 650.6M | 578M | 641.81M | 730.43M |
Interest Paid | 14.58M | 19.74M | 35.89M | 25.69M | 7.88M | 6.03M | 51.35M | 91.17M | 90.61M |
Income Taxes Paid | 26.13M | 16.36M | 16.81M | 18.18M | 20.49M | 19.46M | 19.06M | 8.87M | 19.08M |
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
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 Margin | 3% | 3.15% | 3.24% | 2.98% | 2.6% | 2.59% | 3% | 2.79% | 2.44% | 2.62% |
Efficiency Ratio | 52.02% | 50.17% | 49.1% | 46.38% | 48.96% | 54.68% | 48.73% | 45.52% | 40.18% | 37.91% |
Equity / Assets | 8.89% | 9.34% | 9.88% | 10.31% | 9.63% | 9.7% | 10% | 10.46% | 10.84% | 10.66% |
Book Value / Share | 22.62 | 23.82 | 25.34 | 27.77 | 29.43 | 31.21 | 31.36 | 33.92 | 35.53 | 37.46 |
NII Growth | 2.03% | 5.69% | 4.09% | -3.04% | -1.43% | 4.45% | 12.3% | -4.6% | -11.58% | 11.21% |
Dividend Payout | 58.83% | 58.4% | 41.61% | 45.62% | 50.2% | 42.72% | 35.88% | 46.7% | 56.13% | 45.18% |
Related:TRST Dividend History·TRST Revenue History·TRST Price History·TRST P/E History·TRST Financial Ratios·TRST Institutional Holders
TRST SEC Filings & Documents
TrustCo Bank Corp NY (TRST) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 2.88%. 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.