TrustCo Bank Corp NY (TRST) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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TRST EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
TRST Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 67.1% | 29.2% | 22.0% |
| 2024 | 64.5% | 24.3% | 18.6% |
| 2023 | 77.3% | 31.7% | 24.0% |
| 2022 | 97.0% | 48.3% | 36.5% |
| 2021 | 98.9% | 44.2% | 33.1% |
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TrustCo Bank Corp NY (TRST) Earnings Overview
As of May 6, 2026, TrustCo Bank Corp NY (TRST) reported trailing twelve-month net income of $61M, reflecting +26.5% year-over-year growth. The company earned $3.34 per diluted share over the past four quarters, with a net profit margin of 22.0%.
Looking at the long-term picture, TRST's 5-year EPS compound annual growth rate (CAGR) stands at +3.6%, reflecting modest earnings expansion. The company achieved its highest annual net income of $75M in fiscal 2022.
TrustCo Bank Corp NY maintains industry-leading profitability with a gross margin of 67.1%, operating margin of 29.2%, and net margin of 22.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), CBSH ($566M net income, 26.5% margin), FISI ($75M net income, 19.8% margin), TRST has outperformed on profitability metrics. Compare TRST vs NBTB →
TRST Earnings vs Peers
Earnings metrics vs comparable public companies
TRST Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $61M | +25.2% | $81M | $3.25 | 22.0% | 29.2% |
| 2024 | $49M | -16.7% | $64M | $2.57 | 18.6% | 24.3% |
| 2023 | $59M | -22.0% | $78M | $3.08 | 24.0% | 31.7% |
| 2022 | $75M | +22.3% | $99M | $3.93 | 36.5% | 48.3% |
| 2021 | $62M | +17.3% | $82M | $3.19 | 33.1% | 44.2% |
| 2020 | $52M | -9.3% | $69M | $2.72 | 26.8% | 35.5% |
| 2019 | $58M | -5.9% | $77M | $2.98 | 27.4% | 36.3% |
| 2018 | $61M | +42.4% | $80M | $3.18 | 30.9% | 40.0% |
| 2017 | $43M | +1.3% | $77M | $2.24 | 23.0% | 41.0% |
| 2016 | $43M | +0.9% | $68M | $2.23 | 23.6% | 37.9% |
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Start ComparisonTRST — Frequently Asked Questions
Quick answers to the most common questions about buying TRST stock.
Is TRST growing earnings?
TRST EPS is $3.34, with earnings growth accelerating to +26.5%. This exceeds the 5-year CAGR of +3.6%. TTM net income reached $61M.
What are TRST's profit margins?
TrustCo Bank Corp NY net margin is +22.0%, with operating margin at +29.2%. Above-average margins indicate pricing power.
How consistent are TRST's earnings?
TRST earnings data spans 1989-2025. The accelerating earnings trend is +26.5% YoY. Historical data enables comparison across business cycles.