Saturday 17 October 2026 Export TRST’s income statement to Excel — free account

TrustCo Bank Corp NY

TrustCo Bank Corp NY’s revenue for fiscal 2025 (year ended December 2025) was $278.4 million, up 5.78% from fiscal 2024. In the quarter to June 2026, revenue grew 6.20%, EPS grew 24.1% and free cash flow grew 2.59%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

54.31 0.29 +0.54%

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Market cap: $919.8M
P/E: 15.0×
Fwd P/E: 9.1×
Dividend yield: 2.84%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.08

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	1	1	—	1	—	1	1	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 5.17%

Capital & Financial Ratios $m

Market Cap 919.83

Revenue 285.93

Net Income 65.07

Free Cash Flow 59.83

Net Debt (696.64)

Current Ratio 1.03

Debt/Equity 0.00

P/E ratio 15.04

Fwd P/E 9.13

P/S ratio 3.29

P/B ratio 1.43

Past 5Y EPS Growth 3.78%

This Y EPS Growth (22.73%)

Next Y EPS Growth 20.59%

Next Y revenue growth (28.44%)

Next 5Y EPS Growth 5.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 76.15%

10-year low 10-year high

P/S against its own 10 years 44.78%

10-year low 10-year high

P/B against its own 10 years 63.88%

10-year low 10-year high

Dividends

Payout Ratio 0.43

Annual Dividend Rate 1.54

Annual Dividend Yield 2.84%

	total	individual payouts
2026	1.16	0.38 0.38 0.40
2025	1.48	0.36 0.36 0.38 0.38
2024	1.44	0.36 0.36 0.36 0.36
2023	1.44	0.36 0.36 0.36 0.36
2022	1.41	0.35 0.35 0.35 0.36
2021	1.37	0.34 0.34 0.34 0.35
2020	1.36	0.34 0.34 0.34 0.34
2019	1.36	0.34 0.34 0.34 0.34
2018	1.34	0.33 0.33 0.34 0.34
2017	1.31	0.33 0.33 0.33 0.33
2016	1.31	0.33 0.33 0.33 0.33

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	578	642	730	697
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	5,532	5,690	5,931	6,020

	2023	2024	2025	Q'26
Payables	5,351	5,391	5,557	5,682
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,478	5,522	5,718	5,833

Compound Annual Growth %

	10y	5y	3y
Sales	4.62%	7.33%	10.58%
Cash Flow	(0.41%)	(1.51%)	(9.85%)
Earnings	3.77%	3.11%	(6.68%)
Book Value	5.21%	3.86%	4.60%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	71	74	—	—	—
’25	68	69	71	71	278
’24	65	66	66	66	263
’23	59	61	62	63	245
’22	46	49	53	57	206
’21	47	47	46	46	186
’20	52	48	48	47	195

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	12	28	—	—	—
’25	1	27	13	16	58
’24	10	19	16	14	59
’23	19	16	12	18	64
’22	11	22	23	23	79
’21	9	19	16	11	55
’20	15	14	20	14	62

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	10	26	—	—	—
’25	(3)	25	10	14	46
’24	9	18	16	13	55
’23	18	15	11	15	58
’22	11	21	22	21	75
’21	8	18	16	10	53
’20	14	13	18	13	58

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.91	0.98	—	—	—
’25	0.75	0.79	0.86	0.85	3.25
’24	0.64	0.66	0.68	0.59	2.57
’23	0.93	0.86	0.77	0.52	3.08
’22	0.89	0.93	1.01	1.10	3.93
’21	0.75	0.75	0.87	0.85	3.19
’20	0.70	0.60	0.75	0.70	2.70

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	25.85	36.25	32.55	33.85	21.50	29.78	29.50	23.78	25.83	27.18	Analyst estimates 2026–2028 Powerpack
	High	44.25	48.50	47.25	45.50	43.85	41.47	39.36	38.81	38.89	45.27
People
People	Employees	808	846	854	814	778	844	818	750	791	819
	Revenue/emp, $m	0.22	0.22	0.23	0.26	0.25	0.22	0.25	0.33	0.33	0.34
Income, $m
Income, $m	Revenue	180	187	199	211	195	186	206	245	263	278
	Gross margin, %	91.52	92.21	89.83	82.76	87.36	95.93	96.86	77.77	65.28	67.51
	EBT	68	77	80	77	69	82	99	78	64	81
	EBT margin, %	37.86	40.97	40.03	36.31	35.53	44.18	48.29	31.74	24.34	29.03
	Net income	43	43	61	58	52	62	75	59	49	61
	Depreciation	9	8	7	7	8	8	6	6	6	6
Per share, $
Per share, $	Revenue	9.44	9.75	10.31	10.88	10.13	9.65	10.76	12.85	13.84	14.84
	Earnings	2.25	2.25	3.20	3.00	2.70	3.19	3.93	3.08	2.57	3.26
	Cash flow	2.87	3.21	3.50	3.29	3.22	2.87	4.11	3.37	3.13	3.07
	Capex	(0.07)	(0.18)	(0.19)	(0.20)	(0.20)	(0.15)	(0.17)	(0.30)	(0.22)	(0.63)
	Free cash flow	2.80	3.02	3.32	3.09	3.02	2.73	3.94	3.07	2.91	2.44
	Book value	22.64	23.84	25.38	27.79	29.44	31.21	31.36	33.92	35.56	36.61
	Shares, m	19	19	19	19	19	19	19	19	19	19
Valuation, ×
Valuation, ×	P/E	20.11	19.78	10.72	14.69	12.13	10.34	9.62	10.13	12.96	12.68
	P/S	4.69	4.57	3.33	3.98	3.29	3.45	3.51	2.43	2.41	2.78
	P/B	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/FCF	2.58	4.17	2.47	6.39	(7.94)	(11.00)	0.96	0.26	(0.15)	0.98
Cash, $m
Cash, $m	Operating cash flow	55	62	68	64	62	55	79	64	59	58
	Capex	(1)	(4)	(4)	(4)	(4)	(3)	(3)	(6)	(4)	(12)
	Free cash flow	54	58	64	60	58	53	75	58	55	46
Balance, $m
Balance, $m	Working capital	(342)	(245)	(136)	(152)	21	71	(13)	54	167	213
	Total debt	209	243	162	206	268	298	172	—	—	—
	Net debt	(707)	(613)	(504)	(457)	(1,107)	(1,219)	(651)	(578)	(642)	(730)
	Shareholders’ equity	433	458	490	538	568	601	600	645	676	687
Returns, %
Returns, %	ROA	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
	ROE	10.07	9.68	12.96	11.25	9.48	10.52	12.53	9.42	7.39	8.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%	Compare
CPF CPB Inc.	$929.5M	11.6×	10.8×	+2.39% (above 0%: growing)	+17.65% (above 0%: growing)	+23.90% (above 0%: growing)	83.01%	0.00%	Compare
TRST TrustCo Bank Corp NY	$919.8M	15.0×	9.1×	+6.20% (above 0%: growing)	+24.05% (above 0%: growing)	+2.59% (above 0%: growing)	69.96%	0.00%
HAFC Hanmi Financial Corporation	$917.4M	10.4×	9.6×	+2.07% (above 0%: growing)	+58.00% (above 0%: growing)	+48.02% (above 0%: growing)	64.66%	0.00%	Compare
NBBK NB Bancorp, Inc.	$913.3M	14.4×	10.2×	+39.49% (above 0%: growing)	+35.90% (above 0%: growing)	+19.91% (above 0%: growing)	63.66%	0.00%	Compare
MPB Mid Penn Bancorp	$911.3M	12.6×	11.6×	+24.51% (above 0%: growing)	+290.91% (above 0%: growing)	−3.90% (below 0%: shrinking)	70.72%	0.00%	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
Median of peers	$912.3M	11.9×	10.0×	+15.52%	+46.95%	+65.41%	70.41%	0.00%

All 323 Banks Regional stocks →

TrustCo Bank Corp NY (TRST) key facts

Strength: TrustCo Bank Corp NY’s revenue for fiscal 2025 (year ended December 2025) was $278.4 million, up 5.78% from fiscal 2024.
Strength: Net income was $61.1 million, or $3.26 per share (basic), a net margin of 22.0%.
TrustCo Bank Corp NY (TRST) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, TRST traded at $54.31, a market capitalization of $919.8 million.
At that price the stock trades at 15.0× trailing-twelve-month earnings and 3.3× sales; its P/E is higher than 76% of its own readings over the past ten years.
TrustCo Bank Corp NY pays an annual dividend of $1.54 per share, a yield of 2.84%, with a payout ratio of 42.8%.
Return on equity was 8.97% and debt-to-equity 0.00.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.