TRST

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TrustCo Bank Corp NY

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Key Metrics

Previous Close: $56.50
52-Week Range: $34.31 – $58.98
Market Cap: $973.99M
P/E (TTM): 15.67
EPS (TTM): 3.65
Dividend Yield: 2.83%

Advanced Metrics

Price/Book: 1.48
PEG Ratio: 0.63
Return on Equity: 9.65%
Return on Assets: 1.01%
Gross Margin: 0.00%
Operating Margin: 46.67%
Profit Margin: 33.41%
Current Ratio: —
Debt/Equity: —
Total Debt: $144.74M
Free Cash Flow: —
Revenue Growth: 10.70%
Earnings Growth: 24.10%
Enterprise Value: $422.09M

TRST Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$199.40M	$190.16M	$171.77M	$187.92M
Selling, General & Admin	$51.11M	$57.42M	$54.07M	$54.83M
Pretax Income	$99.42M	$77.61M	$64.05M	$80.81M
Income Tax	$24.18M	$18.97M	$15.21M	$19.68M
Net Income	$75.23M	$58.65M	$48.83M	$61.14M
Diluted EPS	3.93	3.08	2.57	3.25
Diluted Shares	19.13M	19.02M	19.04M	18.79M

TRST Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$43.43M	$49.27M	$47.36M	$50.57M
Total Assets	$6.00B	$6.17B	$6.24B	$6.44B
Total Debt	$48.98M	$44.47M	$40.16M	$36.39M
Total Liabilities	$5.40B	$5.52B	$5.56B	$5.75B
Retained Earnings	$393.83M	$425.07M	$446.50M	$480.00M
Shareholders' Equity	$599.99M	$645.28M	$676.34M	$686.59M
Net Debt	$79.27M	—	—	—

TRST Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$78.63M	$64.13M	$59.44M	$57.60M
Capital Expenditure	-$3.79M	-$5.67M	-$4.88M	-$11.87M
Free Cash Flow	$74.84M	$58.46M	$54.56M	$45.74M
Depreciation & Amortisation	$10.55M	$10.79M	$11.44M	$11.46M
Stock-Based Compensation	$0.00	$103.00K	$720.00K	$1.27M
Investing Cash Flow	-$416.63M	-$233.59M	-$3.75M	-$104.67M
Financing Cash Flow	-$230.87M	$96.87M	$8.12M	$135.69M
Dividends Paid	-$26.99M	-$27.39M	-$27.41M	-$27.62M
Share Repurchases	-$7.00M	$0.00	-$374.00K	-$38.13M
Net Change in Cash	-$568.87M	-$72.59M	$63.81M	$88.61M

TRST Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$46.60M	$47.81M	$48.16M	$49.55M	—
Selling, General & Admin	$13.32M	$14.07M	$14.01M	$13.77M	—
Pretax Income	$19.73M	$21.32M	$21.05M	$21.62M	—
Income Tax	$4.69M	$5.06M	$5.49M	$5.33M	—
Net Income	$15.04M	$16.26M	$15.56M	$16.29M	—
Diluted EPS	0.79	0.86	0.85	0.91	0.98
Diluted Shares	18.99M	18.80M	18.33M	17.88M	17.39M

TRST Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$48.78M	$45.22M	$42.03M	$50.57M	$43.16M
Total Assets	$6.34B	$6.35B	$6.35B	$6.44B	$6.51B
Total Debt	$120.60M	$121.72M	$135.93M	$36.39M	$148.85M
Total Liabilities	$5.65B	$5.66B	$5.66B	$5.75B	$5.84B
Retained Earnings	$453.93M	$462.16M	$471.31M	$480.00M	$489.54M
Shareholders' Equity	$687.81M	$692.80M	$692.01M	$686.59M	$670.92M
Net Debt	$33.49M	$37.15M	$55.72M	—	$69.77M

TRST Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.28M	$27.05M	$12.80M	$16.47M	$11.82M
Capital Expenditure	-$4.54M	-$2.12M	-$2.81M	-$2.38M	-$1.64M
Free Cash Flow	-$3.27M	$24.93M	$9.99M	$14.09M	$10.18M
Depreciation & Amortisation	$2.81M	$2.85M	$2.88M	$2.92M	$2.89M
Stock-Based Compensation	$308.00K	$308.00K	$309.00K	$345.00K	$475.00K
Investing Cash Flow	$16.71M	-$51.16M	-$18.81M	-$51.41M	-$31.28M
Financing Cash Flow	$96.33M	-$18.44M	-$12.03M	$69.82M	$57.15M
Dividends Paid	-$6.85M	-$6.84M	-$6.82M	-$7.11M	-$6.76M
Share Repurchases	$0.00	-$5.33M	-$11.54M	-$21.26M	-$23.91M
Net Change in Cash	$114.33M	-$42.55M	-$18.04M	$34.87M	$37.68M

Market Snapshot

About

TrustCo Bank Corp is a community bank holding company operating primarily in New York, serving retail and commercial customers through its branch network. The company focuses on traditional banking services including residential mortgages, commercial loans, and deposit accounts. TrustCo has maintained a conservative lending approach and a strong capital position throughout its history.