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Friday 6 November 2026
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TrustCo Bank Corp NY
TRST Financial Banks Regional
TrustCo Bank Corp NY’s revenue for fiscal 2025 (year ended December 2025) was $278.4 million, up 5.78% from fiscal 2024.
- Revenue
- +5.24%
- EPS
- +18.4%
- Free cash flow
- +2.59%
Quarter to September 2026, against a year earlier
57.18
0.64
+1.13%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.11 | 19.78 | 10.72 | 14.69 | 12.13 | 10.34 | 9.62 | 10.13 | 12.96 | 12.68 |
Piotroski F-Score |
6 | 7 | 7 | 5 | 7 | 7 | 8 | 7 | 7 | 8 |
P/S ratio |
4.69 | 4.57 | 3.33 | 3.98 | 3.29 | 3.45 | 3.51 | 2.43 | 2.41 | 2.78 |
P/FCF ratio |
15.80 | 14.71 | 10.34 | 14.01 | 11.04 | 12.21 | 9.60 | 10.15 | 11.46 | 16.94 |
P/Operating CF |
61.03 | 60.20 | 35.20 | 59.86 | 45.17 | 56.98 | 31.70 | 33.30 | 44.18 | 47.06 |
P/B ratio |
1.95 | 1.87 | 1.35 | 1.56 | 1.13 | 1.07 | 1.21 | 0.92 | 0.94 | 1.13 |
Price to Tangible BV |
1.95 | 1.87 | 1.35 | 1.56 | 1.13 | 1.07 | 1.21 | 0.92 | 0.94 | 1.13 |
EV/Sales |
0.77 | 1.30 | 0.80 | 1.82 | (2.37) | (3.11) | 0.35 | 0.06 | (0.03) | 0.16 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
2.52 | 3.93 | 2.34 | 6.00 | (7.46) | (10.44) | 0.92 | 0.24 | (0.14) | 0.77 |
EV/FCF |
2.58 | 4.17 | 2.47 | 6.39 | (7.94) | (11.00) | 0.96 | 0.26 | (0.15) | 0.98 |
Quick Ratio |
0.16 | 0.14 | 0.11 | 0.10 | 0.21 | 0.22 | 0.12 | 0.11 | 0.12 | 0.13 |
Current Ratio |
0.92 | 0.95 | 0.97 | 0.97 | 1.00 | 1.01 | 1.00 | 1.01 | 1.03 | 1.04 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.29 | 1.43 | 1.10 | 1.10 | 1.19 | 0.90 | 1.05 | 1.09 | 1.22 | 0.94 |
Capex/Depreciation |
(0.15) | (0.44) | (0.50) | (0.56) | (0.48) | (0.35) | (0.52) | (0.97) | (0.73) | (2.08) |
| 10.07% | 9.68% | 12.96% | 11.25% | 9.48% | 10.52% | 12.53% | 9.42% | 7.39% | 8.97% | |
| 0.89% | 0.88% | 1.25% | 1.14% | 0.94% | 1.02% | 1.23% | 0.96% | 0.79% | 0.96% | |
ROIC |
0.00% | 0.00% | 0.00% | 58.74% | 0.00% | 0.00% | 0.00% | 72.10% | 115.92% | 0.00% |
Return on Tangible Assets |
(13.89%) | (20.59%) | (60.65%) | (49.37%) | 94.45% | 58.98% | 391.05% | 66.74% | 24.28% | 24.10% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.65% | 51.24% | 49.81% | 46.45% | 51.83% | 51.75% | 48.57% | 46.03% | 40.94% | 38.48% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.12% | 0.08% | 0.09% | 0.00% | 0.01% | 0.00% | 0.00% | 0.04% | 0.27% | 0.46% |
Graham Net Nets |
(0.40) | (0.29) | (0.21) | (0.25) | (0.05) | 0.03 | (0.09) | 0.02 | 0.20 | 0.23 |
Graham Number |
33.48 | 34.74 | 42.75 | 42.95 | 42.68 | 47.55 | 52.66 | 48.48 | 45.35 | 51.82 |
Earnings Yield |
4.97% | 5.06% | 9.33% | 6.81% | 8.25% | 9.67% | 10.40% | 9.87% | 7.72% | 7.89% |
Free Cash Flow Yield |
6.33% | 6.80% | 9.67% | 7.14% | 9.06% | 8.19% | 10.41% | 9.85% | 8.72% | 5.90% |
Revenue per Share |
9.44 | 9.75 | 10.31 | 10.88 | 10.13 | 9.65 | 10.76 | 12.85 | 13.84 | 14.84 |
Operating CF per Share |
2.87 | 3.21 | 3.50 | 3.29 | 3.22 | 2.87 | 4.11 | 3.37 | 3.13 | 3.07 |
Capex per Share |
(0.07) | (0.18) | (0.19) | (0.20) | (0.20) | (0.15) | (0.17) | (0.30) | (0.22) | (0.63) |
Free Cash Flow per Share |
2.80 | 3.02 | 3.32 | 3.09 | 3.02 | 2.73 | 3.94 | 3.07 | 2.91 | 2.44 |
Cash per Share |
37.01 | 31.88 | 26.10 | 23.59 | 57.36 | 63.32 | 34.01 | 30.38 | 33.75 | 38.95 |
Shareholders Equity per Share |
22.64 | 23.84 | 25.38 | 27.79 | 29.44 | 31.21 | 31.36 | 33.92 | 35.56 | 36.61 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
22.64 | 23.84 | 25.38 | 27.79 | 29.44 | 31.21 | 31.36 | 33.92 | 35.56 | 36.61 |
Free Cash Flow |
53.51 | 58.14 | 64.00 | 59.92 | 58.33 | 52.53 | 75.31 | 58.46 | 55.27 | 45.74 |
Working Capital |
(342.15) | (244.72) | (136.00) | (151.79) | 21.12 | 71.28 | (13.32) | 53.87 | 167.38 | 212.96 |
Capital Expenditures |
(1.38) | (3.55) | (3.64) | (3.88) | (3.83) | (2.83) | (3.31) | (5.67) | (4.17) | (11.86) |
Net Current Asset Value |
(342.15) | (244.72) | (136.00) | (208.34) | (31.66) | 18.56 | (62.30) | 9.40 | 127.22 | 176.57 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 |
Price to Operating Income |
12.38 | 11.15 | 8.31 | 10.98 | 9.27 | 7.81 | 7.27 | 7.65 | 9.89 | 9.59 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.25 | 0.23 | 0.21 | 0.20 | 0.23 | 0.25 | 0.20 | 0.17 | 0.17 | 0.14 |
Cash ROIC |
4.69% | 5.43% | 6.44% | 6.02% | 3.48% | 2.89% | 6.02% | 4.78% | 4.19% | 3.23% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
100,078.38 | 104,390.35 | 77,125.77 | 44,719.47 | 74,412.15 | 253,877.35 | 293,084.22 | 35,927.11 | 21,533.96 | 22,428.02 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,148.27 | 4,184.74 | 4,223.79 | 4,362.13 | 4,743.60 | 5,152.66 | 5,230.47 | 5,271.79 | 5,370.88 | 5,474.20 |
Average Assets |
4,801.90 | 4,888.41 | 4,933.46 | 5,090.12 | 5,561.56 | 6,049.17 | 6,098.30 | 6,084.12 | 6,203.47 | 6,339.72 |
Average Common Equity |
423.00 | 445.50 | 474.09 | 514.06 | 553.21 | 584.64 | 600.56 | 622.64 | 660.81 | 681.47 |
Columns are period end dates · fundamentals updated 2 Nov 2026