TrustCo Bank Corp NY (TRST)

TrustCo Bank Corp NY Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	198.22	186.32	169.77	188.91	199.74	183.8
Revenue Growth	9.23%	9.74%	-10.13%	-5.42%	8.67%	11.29%
Net Income Net Income Growth	66.13	61.14	48.83	58.65	75.23	61.52
Earnings Per Share EPS Growth	3.75	3.25	2.57	3.08	3.93	3.19
EPS Growth	24.78%	26.57%	-16.63%	-21.63%	23.20%	17.38%

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	597.32	730.43	641.81	578	650.6	1,150
Total Debt Total Debt Growth	133.18	156.45	124.94	133.46	171.68	297.41
Net Cash (Debt) Net Cash Growth	464.13	573.98	516.87	444.54	478.92	852.46
Net Cash Growth	-17.06%	11.05%	16.27%	-7.18%	-43.82%	9.56%
Net Cash Per Share Net Cash Per Share Growth	26.33	30.55	27.15	23.37	25.03	44.25

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-	57.6	59.44	64.13	78.63	55.37
Capital Expenditures CapEx Growth	-	-11.87	-4.88	-5.67	-3.79	-2.84
Free Cash Flow Free Cash Flow Growth	-	45.74	54.56	58.46	74.84	52.53
Free Cash Flow Growth	-	-16.17%	-6.68%	-21.88%	42.49%	-9.95%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	33.36%	32.81%	28.76%	31.04%	37.67%	33.47%
FCF Margin	-	24.55%	32.14%	30.95%	37.47%	28.58%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 22, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	1.600	1.480	1.440	1.440	1.410	1.372
Dividend Per Share Growth	5.48%	2.78%	0%	2.13%	2.78%	0.69%
Dividend Yield	2.95%	3.50%	4.32%	4.64%	3.75%	4.12%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 22, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	14.47	12.46	12.97	10.07	9.52	10.41
Forward PE	-	13.58	13.58	11.37	9.47	11.33
P/FCF Ratio	15.44	16.65	11.61	10.10	9.57	12.19
PS Ratio	4.66	4.09	3.73	3.13	3.59	3.48

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 22, 2026

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