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Financials · TRST

TrustCo Bank Corp NY (TRST) financials

For the twelve months ended Sep 30, 2026, TrustCo Bank Corp NY reported $201.07M of revenue and $66.13M of net income.

Revenue, TTM
$201.07M
Revenue growth, YoY
+9.8%
Net income, TTM
$66.13M
Net income growth, YoY
+16.3%
Net margin
32.9%
Free cash flow, TTM
$69.05M
EPS, diluted, TTM
$3.76
EPS growth, YoY
+25.8%
Cash
$597.32M
P/E
14.96
P/S
4.92
Market cap
$989.1M
Annual revenue$187.92M
FY2016FY2025
Annual net income$61.14M
FY2016FY2025
Annual free cash flow$45.74M
FY2016FY2025

TRST revenue and earnings growth

TRST revenueQ3 2026$51.86M

Quarter YoY
+8.5%
QoQ
+0.7%
FY YoY
+9.4%
5Y CAGR
+1.9%
10Y CAGR
+1.6%

TRST revenue was $51.86M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.5% from a year earlier and up 0.7% from the prior quarter. For the full fiscal 2025 it was $187.92M, up 9.4% from fiscal 2024. Compound annual growth was +1.9% over 5 years and +1.6% over 10 years. It rose in 6 of the last 10 fiscal years.

TRST net incomeQ3 2026$17.32M

Quarter YoY
+6.5%
QoQ
+2.1%
FY YoY
+25.2%
5Y CAGR
+3.1%
10Y CAGR
+3.8%

TRST net income was $17.32M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.5% from a year earlier and up 2.1% from the prior quarter. For the full fiscal 2025 it was $61.14M, up 25.2% from fiscal 2024. Compound annual growth was +3.1% over 5 years and +3.8% over 10 years. It rose in 6 of the last 10 fiscal years.

TRST EPSQ3 2026$1.02

Quarter YoY
+18.6%
QoQ
+4.1%
FY YoY
+26.5%
5Y CAGR
+3.6%
10Y CAGR
+3.9%

TRST diluted EPS was $1.02 in fiscal Q3 2026 (ended Sep 30, 2026), up 18.6% from a year earlier and up 4.1% from the prior quarter. For the full fiscal 2025 it was $3.25, up 26.5% from fiscal 2024. Compound annual growth was +3.6% over 5 years and +3.9% over 10 years.

TRST free cash flowQ3 2026$19.28M

Quarter YoY
+93.0%
QoQ
-24.4%
FY YoY
-16.2%
5Y CAGR
-4.7%
10Y CAGR
-2.0%

TRST free cash flow was $19.28M in fiscal Q3 2026 (ended Sep 30, 2026), up 93.0% from a year earlier and down 24.4% from the prior quarter. For the full fiscal 2025 it was $45.74M, down 16.2% from fiscal 2024. Compound annual growth was -4.7% over 5 years and -2.0% over 10 years. It rose in 3 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$187.92M$171.77M$190.16M$199.40M$178.34M$170.75M$174.40M$178.77M$172.74M$165.07M
Interest expense--$54.36M$6.47M$7.57M$24.71M$36.32M$20.23M$14.59M$15.30M
Pre-tax income$80.81M$64.05M$77.61M$99.42M$82.13M$69.45M$76.51M$79.65M$76.75M$68.29M
Income tax$19.68M$15.21M$18.97M$24.18M$20.61M$16.99M$18.67M$18.21M$33.60M$25.69M
Net income$61.14M$48.83M$58.65M$75.23M$61.52M$52.45M$57.84M$61.45M$43.15M$42.60M
EPS, basic$3.26$2.57$3.08$3.93$3.19$2.72$2.99$3.19$2.25$2.23
EPS, diluted$3.25$2.57$3.08$3.93$3.19$2.72$2.98$3.18$2.24$2.23
Diluted shares18.8M19.0M19.0M19.1M19.3M19.3M19.4M19.3M19.2M19.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$730.43M$641.81M$578.00M$650.60M$1.22B$1.11B$456.85M$503.71M$612.74M$707.27M
Total assets$6.44B$6.24B$6.17B$6.00B$6.20B$5.90B$5.22B$4.96B$4.91B$4.87B
Short-term debt$120.05M$84.78M$88.99M$122.70M$244.69M$214.75M$148.67M$161.89M$242.99M$209.41M
Total liabilities$5.75B$5.56B$5.52B$5.40B$5.60B$5.33B$4.68B$4.47B$4.45B$4.44B
Shareholders' equity$686.59M$676.34M$645.28M$599.99M$601.13M$568.16M$538.26M$489.87M$458.31M$432.69M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$57.60M$59.44M$64.13M$78.63M$55.37M$62.16M$63.80M$67.64M$61.69M$54.89M
Capital expenditures$11.87M$4.88M$5.67M$3.79M$2.84M$3.83M$3.89M$3.65M$3.61M$2.06M
Free cash flow$45.74M$54.56M$58.46M$74.84M$52.52M$58.33M$59.90M$63.99M$58.08M$52.84M
Investing cash flow-$104.67M-$3.75M-$233.59M-$416.63M-$175.26M-$35.35M-$248.76M-$173.82M-$144.88M-$157.79M
Financing cash flow$135.69M$8.12M$96.87M-$230.87M$232.26M$623.44M$138.10M-$2.85M-$11.34M$92.02M
Dividends paid$27.62M$27.41M$27.39M$26.99M$26.28M$26.33M$26.39M$25.57M$25.20M$25.06M
Share repurchases$38.13M$374.0K$0$7.00M$2.39M$3.49M$35.0K$718.0K$4.61M$701.0K
Stock-based compensation$1.27M$720.0K$103.0K$0$0$15.0K$5.0K$173.0K$150.0K$224.0K
Depreciation and amortization$4.82M$4.54M$4.11M$4.10M$4.22M$4.04M$3.95M$4.11M$3.82M$4.04M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY9.4%-9.7%-4.6%11.8%4.4%-2.1%-2.4%3.5%4.6%2.5%
Net income growth, YoY25.2%-16.7%-22.0%22.3%17.3%-9.3%-5.9%42.4%1.3%0.9%
EPS growth, YoY26.5%-16.6%-21.6%23.2%17.3%-8.8%-6.2%42.0%0.7%0.2%
Net margin32.5%28.4%30.8%37.7%34.5%30.7%33.2%34.4%25.0%25.8%
Free cash flow margin24.3%31.8%30.7%37.5%29.5%34.2%34.3%35.8%33.6%32.0%
Return on equity8.9%7.2%9.1%12.5%10.2%9.2%10.7%12.5%9.4%9.8%
Return on assets0.9%0.8%1.0%1.3%1.0%0.9%1.1%1.2%0.9%0.9%

Source: XBRL data TrustCo Bank Corp NY files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 1-for-5, first reported Aug 5, 2021.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

TRST peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
TRST$201.07M+9.8%$66.13M32.9%$989.1M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

TRST FAQ

8 questions
  • What is TRST revenue?
    TrustCo Bank Corp NY (TRST) reported $201.07M of revenue for the twelve months ended Sep 30, 2026. That is up 9.8% from the year before. Revenue for fiscal 2025 was $187.92M.
  • Is TRST profitable?
    Yes. TrustCo Bank Corp NY earned $66.13M in net income for the twelve months ended Sep 30, 2026, a net margin of 32.9%.
  • How much cash and debt does TRST have?
    TrustCo Bank Corp NY reported $597.32M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is TRST revenue growing?
    TrustCo Bank Corp NY's revenue changed +9.4% in fiscal 2025, to $187.92M. Its compound annual growth rate was +1.9% over 5 years and +1.6% over 10 years.
  • What is TRST free cash flow?
    TrustCo Bank Corp NY generated $69.05M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $76.82M less capital expenditures.
  • What is TRST earnings per share?
    Diluted earnings per share were $3.76 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did TRST last report financial results?
    The latest statements here come from TrustCo Bank Corp NY's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this TRST financial data come from?
    Quantisnow builds these statements from the structured XBRL data TrustCo Bank Corp NY files with the SEC. It is provided for information only and is not investment advice.