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

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. 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%
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%) (below 0%: weak)
Next Y EPS Growth 20.59% (at or above 15%: strong)
Next Y revenue growth (28.44%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

TrustCo Bank Corp NY vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

TrustCo Bank Corp NY (TRST) Latest News

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stockrow.com/TRST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com