8-K Announcements
6Apr 21, 2026·SEC
Apr 10, 2026·SEC
Feb 17, 2026·SEC
TrustCo Bank Corp NY (TRST) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
TrustCo Bank Corp NY (TRST) stock price & volume — 10-year historical chart
TrustCo Bank Corp NY (TRST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
TrustCo Bank Corp NY (TRST) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
TrustCo Bank Corp NY (TRST) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
TrustCo Bank Corp NY (TRST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TrustCo Bank Corp NY (TRST) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
TrustCo Bank Corp NY (TRST) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
TrustCo Bank Corp NY (TRST) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
TrustCo Bank Corp NY (TRST) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 21, 2026·SEC
Apr 10, 2026·SEC
Feb 17, 2026·SEC
TrustCo Bank Corp NY (TRST) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
TrustCo Bank Corp NY (TRST) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates