TrustCo Bank Corp NY (TRST)

NASDAQ: TRST · Real-Time Price · USD

56.20

-0.10 (-0.18%)

Sep 25, 2026, 4:00 PM EDT - Market closed

TrustCo Bank Corp NY Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	194.77	186.32	169.77	188.91	199.74	183.8
Revenue Growth	10.04%	9.74%	-10.13%	-5.42%	8.67%	11.29%
Net Income	65.07	61.14	48.83	58.65	75.23	61.52
Earnings Per Share	3.60	3.25	2.57	3.08	3.93	3.19
EPS Growth	28.03%	26.57%	-16.63%	-21.63%	23.20%	17.38%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	696.64	730.43	641.81	578	650.6	1,150
Total Debt	144.74	156.45	124.94	133.46	171.68	297.41
Net Cash (Debt)	551.9	573.98	516.87	444.54	478.92	852.46
Net Cash Growth	-6.75%	11.05%	16.27%	-7.18%	-43.82%	9.56%
Net Cash Per Share	30.50	30.55	27.15	23.37	25.03	44.25

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	69.08	57.6	59.44	64.13	78.63	55.37
Capital Expenditures	-9.33	-11.87	-4.88	-5.67	-3.79	-2.84
Free Cash Flow	59.75	45.74	54.56	58.46	74.84	52.53
Free Cash Flow Growth	21.40%	-16.17%	-6.68%	-21.88%	42.49%	-9.95%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	33.41%	32.81%	28.76%	31.04%	37.67%	33.47%
FCF Margin	30.68%	24.55%	32.14%	30.95%	37.47%	28.58%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	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	2.85%	3.66%	4.61%	5.18%	4.40%	5.04%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.62	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	16.01	16.65	11.61	10.10	9.57	12.19
PS Ratio	4.91	4.09	3.73	3.13	3.59	3.48