TrustCo Bank Corp NY (TRST)

NASDAQ: TRST · Real-Time Price · USD

57.32

-0.34 (-0.59%)

Nov 13, 2026, 4:00 PM EST - 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	Sep '26 Sep 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	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	66.13	61.14	48.83	58.65	75.23	61.52
Earnings Per Share	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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	597.32	730.43	641.81	578	650.6	1,150
Total Debt	133.18	156.45	124.94	133.46	171.68	297.41
Net Cash (Debt)	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	26.33	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	Sep '26 Sep 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	76.82	57.6	59.44	64.13	78.63	55.37
Capital Expenditures	-7.77	-11.87	-4.88	-5.67	-3.79	-2.84
Free Cash Flow	69.05	45.74	54.56	58.46	74.84	52.53
Free Cash Flow Growth	58.19%	-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	Sep '26 Sep 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	33.36%	32.81%	28.76%	31.04%	37.67%	33.47%
FCF Margin	34.83%	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	Nov '26 Nov 14, 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	2.79%	3.50%	4.32%	4.64%	3.75%	4.12%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 14, 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	15.30	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	13.72	16.65	11.61	10.10	9.57	12.19
PS Ratio	4.78	4.09	3.73	3.13	3.59	3.48