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TrustCo Bank Corp NY (TRST) Financials

TrustCo Bank Corp NY logo
$31.63 -0.42 (-1.31%)
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Annual Income Statements for TrustCo Bank Corp NY

Annual Income Statements for TrustCo Bank Corp NY

This table shows TrustCo Bank Corp NY's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 49 59 75
Consolidated Net Income / (Loss)		 49 59 75
Net Income / (Loss) Continuing Operations		 49 59 75
Total Pre-Tax Income 		64 78 99
Total Revenue		 172 190 199
Net Interest Income / (Expense)		 152 172 180
Total Interest Income		 243 226 187
Loans and Leases Interest Income		 206 188 163
Investment Securities Interest Income		 11 12 9.79
Federal Funds Sold and Securities Borrowed Interest Income		 26 27 14
Total Interest Expense		 91 54 6.47
Deposits Interest Expense		 91 53 5.73
Short-Term Borrowings Interest Expense		 0.79 1.01 0.74
Total Non-Interest Income		 20 18 19
Other Service Charges		 11 12 12
Net Realized & Unrealized Capital Gains on Investments		 1.38 0.00 0.00
Other Non-Interest Income		 7.25 6.43 7.04
Provision for Credit Losses		 2.00 1.25 -0.34
Total Non-Interest Expense		 106 111 100
Salaries and Employee Benefits		 48 51 46
Net Occupancy & Equipment Expense		 26 25 24
Marketing Expense		 1.80 1.88 2.05
Other Operating Expenses		 30 33 28
Income Tax Expense		 15 19 24
Basic Earnings per Share		 $2.57 $3.08 $3.93
Weighted Average Basic Shares Outstanding		 19.02M 19.02M 19.02M
Diluted Earnings per Share		 $2.57 $3.08 $3.93
Weighted Average Diluted Shares Outstanding		 19.02M 19.02M 19.02M
Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.02M 19.02M
Cash Dividends to Common per Share		 $1.44 $1.44 $1.41

Quarterly Income Statements for TrustCo Bank Corp NY

This table shows TrustCo Bank Corp NY's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 11 13 13 12 9.85 15 16 18 21 19
Consolidated Net Income / (Loss)		 11 13 13 12 9.85 15 16 18 21 19
Net Income / (Loss) Continuing Operations		 11 13 13 12 9.85 15 16 18 21 19
Total Pre-Tax Income 		15 17 16 16 13 19 22 24 28 26
Total Revenue		 43 44 43 41 43 47 49 52 54 52
Net Interest Income / (Expense)		 39 39 38 37 39 42 44 47 49 48
Total Interest Income		 62 61 61 60 59 58 56 54 52 49
Loans and Leases Interest Income		 53 52 51 50 49 48 46 44 43 41
Investment Securities Interest Income		 2.61 2.63 2.88 3.05 2.94 2.81 2.94 3.00 3.03 2.84
Federal Funds Sold and Securities Borrowed Interest Income		 6.13 6.17 6.89 6.75 6.35 6.69 6.97 6.56 6.25 5.22
Total Interest Expense		 23 22 23 23 20 15 12 6.97 2.90 1.25
Deposits Interest Expense		 23 22 23 23 20 15 12 6.68 2.69 1.13
Short-Term Borrowings Interest Expense		 0.19 0.19 0.21 0.20 0.20 0.24 0.28 0.29 0.21 0.12
Total Non-Interest Income		 4.41 4.93 5.65 4.84 4.47 4.57 4.60 4.67 4.78 4.39
Other Service Charges		 2.63 2.86 2.68 3.03 2.86 2.95 3.19 2.90 3.00 2.95
Other Non-Interest Income		 1.78 2.04 1.61 1.82 1.61 1.63 1.41 1.77 1.77 1.44
Provision for Credit Losses		 0.40 0.50 0.50 0.60 1.35 0.10 -0.50 0.30 0.05 0.30
Total Non-Interest Expense		 28 26 26 25 29 27 27 28 26 26
Salaries and Employee Benefits		 12 12 13 11 12 12 13 13 13 12
Net Occupancy & Equipment Expense		 6.97 6.03 6.37 6.35 6.06 6.28 6.14 6.56 5.96 6.02
Marketing Expense		 0.59 0.34 0.47 0.41 0.38 0.59 0.52 0.39 0.53 0.51
Other Operating Expenses		 8.54 7.70 7.11 6.72 9.94 8.20 7.55 7.45 6.85 7.49
Income Tax Expense		 3.47 4.03 3.93 3.79 3.05 4.56 5.45 5.91 6.60 6.37
Basic Earnings per Share		 $0.59 $0.68 $0.66 $0.64 $0.52 $0.77 $0.86 $0.93 $1.10 $1.01
Weighted Average Basic Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M
Diluted Earnings per Share		 $0.59 $0.68 $0.66 $0.64 $0.52 $0.77 $0.86 $0.93 $1.10 $1.01
Weighted Average Diluted Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M
Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M

Annual Cash Flow Statements for TrustCo Bank Corp NY

This table details how cash moves in and out of TrustCo Bank Corp NY's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 64 -73 -569
Net Cash From Operating Activities		 59 64 79
Net Cash From Continuing Operating Activities		 59 64 79
Net Income / (Loss) Continuing Operations		 49 59 75
Consolidated Net Income / (Loss)		 49 59 75
Provision For Loan Losses		 2.00 1.25 -0.34
Depreciation Expense		 4.54 4.11 4.10
Amortization Expense		 1.14 8.41 8.72
Non-Cash Adjustments to Reconcile Net Income		 1.06 2.15 3.75
Changes in Operating Assets and Liabilities, net		 1.88 -10 -13
Net Cash From Investing Activities		 -3.75 -234 -417
Net Cash From Continuing Investing Activities		 -3.75 -234 -417
Purchase of Property, Leasehold Improvements and Equipment		 -4.88 -5.67 -3.79
Purchase of Investment Securities		 -43 -20 -204
Sale of Property, Leasehold Improvements and Equipment		 0.71 0.00 0.47
Sale and/or Maturity of Investments		 43 -208 -210
Net Cash From Financing Activities		 8.12 97 -231
Net Cash From Continuing Financing Activities		 8.12 97 -231
Net Change in Deposits		 40 158 -75
Issuance of Debt		 -4.21 -34 -
Repurchase of Common Equity		 -0.37 0.00 -7.00
Payment of Dividends		 -27 -27 -27
Other Financing Activities, Net		 -0.10 0.00 0.43
Cash Interest Paid		 91 51 6.03
Cash Income Taxes Paid		 8.87 19 19

Quarterly Cash Flow Statements for TrustCo Bank Corp NY

This table details how cash moves in and out of TrustCo Bank Corp NY's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 119 -13 -74 32 71 -96 -34 -14 -191 -205
Net Cash From Operating Activities		 14 16 19 9.90 18 12 16 19 23 23
Net Cash From Continuing Operating Activities		 14 16 19 9.90 18 12 16 19 23 23
Net Income / (Loss) Continuing Operations		 11 13 13 12 9.85 15 16 18 21 19
Consolidated Net Income / (Loss)		 11 13 13 12 9.85 15 16 18 21 19
Provision For Loan Losses		 0.40 0.50 0.50 0.60 1.35 0.10 -0.50 0.30 0.05 0.30
Depreciation Expense		 1.36 1.05 1.05 1.09 1.06 1.03 1.01 1.01 1.01 1.03
Amortization Expense		 0.24 -3.04 3.60 0.35 2.17 2.07 3.71 0.46 2.08 2.12
Non-Cash Adjustments to Reconcile Net Income		 0.03 0.99 -3.22 3.26 0.07 0.18 -1.41 3.30 2.64 0.22
Changes in Operating Assets and Liabilities, net		 1.03 4.11 4.24 -7.52 3.31 -6.19 -3.52 -4.04 -3.87 -0.21
Net Cash From Investing Activities		 -8.66 -12 -2.21 19 -42 -66 -68 -57 -114 -81
Net Cash From Continuing Investing Activities		 -8.66 -12 -2.21 19 -42 -66 -68 -57 -114 -81
Purchase of Property, Leasehold Improvements and Equipment		 -2.34 -0.93 -1.11 -0.50 -3.04 -0.82 -1.06 -0.76 -1.64 -0.58
Purchase of Investment Securities		 65 -50 -33 -25 215 -76 -87 -71 172 -101
Sale of Property, Leasehold Improvements and Equipment		 0.65 0.04 - - - - - - 0.00 -
Sale and/or Maturity of Investments		 -72 39 32 44 -254 11 21 15 -285 20
Net Cash From Financing Activities		 113 -18 -90 2.93 95 -42 19 24 -99 -147
Net Cash From Continuing Financing Activities		 113 -18 -90 2.93 95 -42 19 24 -99 -147
Net Change in Deposits		 127 -13 -78 4.39 116 -24 46 20 -89 -115
Issuance of Debt		 -6.67 - - 5.38 - - - 12 - -22
Payment of Dividends		 -6.86 -6.85 -6.85 -6.85 -6.88 -6.85 -6.80 -6.86 -6.84 -6.70
Cash Interest Paid		 23 22 23 23 38 2.87 4.46 6.13 2.46 1.23

Annual Balance Sheets for TrustCo Bank Corp NY

This table presents TrustCo Bank Corp NY's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 6,239 6,168 6,000
Cash and Due from Banks		 47 49 43
Interest Bearing Deposits at Other Banks		 594 529 607
Trading Account Securities		 364 459 489
Loans and Leases, Net of Allowance		 5,048 4,954 4,687
Loans and Leases		 5,098 5,003 4,733
Allowance for Loan and Lease Losses		 50 49 46
Premises and Equipment, Net		 34 34 33
Other Assets		 152 143 141
Total Liabilities & Shareholders' Equity		 6,239 6,168 6,000
Total Liabilities		 5,562 5,523 5,400
Interest Bearing Deposits		 5,391 5,351 5,193
Short-Term Debt		 85 89 123
Other Long-Term Liabilities		 87 83 85
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 676 645 600
Total Preferred & Common Equity		 676 645 600
Total Common Equity		 676 645 600
Common Stock		 279 277 277
Retained Earnings		 447 425 394
Treasury Stock		 -45 -44 -44
Accumulated Other Comprehensive Income / (Loss)		 -3.86 -13 -27

Quarterly Balance Sheets for TrustCo Bank Corp NY

This table presents TrustCo Bank Corp NY's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 6,110 6,107 6,180 6,054 6,076 6,046 6,079
Cash and Due from Banks		 50 42 45 46 56 48 46
Interest Bearing Deposits at Other Banks		 473 494 565 461 548 589 795
Trading Account Securities		 389 401 432 457 460 484 476
Loans and Leases, Net of Allowance		 5,021 4,989 4,956 4,913 4,840 4,753 4,584
Loans and Leases		 5,071 5,038 5,006 4,960 4,887 4,800 4,629
Allowance for Loan and Lease Losses		 50 50 49 47 47 47 46
Premises and Equipment, Net		 33 33 33 32 32 32 32
Other Assets		 143 147 148 145 140 140 146
Total Liabilities & Shareholders' Equity		 6,110 6,107 6,180 6,054 6,076 6,046 6,079
Total Liabilities		 5,441 5,451 5,530 5,430 5,454 5,431 5,490
Interest Bearing Deposits		 5,264 5,277 5,355 5,234 5,258 5,212 5,282
Short-Term Debt		 91 90 94 103 114 134 125
Other Long-Term Liabilities		 85 85 81 93 82 84 84
Total Equity & Noncontrolling Interests		 669 655 649 624 621 615 589
Total Preferred & Common Equity		 669 655 649 624 621 615 589
Total Common Equity		 669 655 649 624 621 615 589
Common Stock		 278 278 277 277 277 277 277
Retained Earnings		 442 436 430 422 414 405 380
Treasury Stock		 -44 -44 -44 -44 -44 -44 -42
Accumulated Other Comprehensive Income / (Loss)		 -6.60 -14 -15 -32 -26 -23 -25

Annual Metrics And Ratios for TrustCo Bank Corp NY

This table displays calculated financial ratios and metrics derived from TrustCo Bank Corp NY's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -9.67% -4.63% 11.80%
EBITDA Growth		 -22.64% -19.69% 24.28%
EBIT Growth		 -17.48% -21.93% 21.04%
NOPAT Growth		 -16.73% -22.05% 22.29%
Net Income Growth		 -16.73% -22.05% 22.29%
EPS Growth		 -16.56% -21.63% 23.20%
Operating Cash Flow Growth		 -7.31% -18.44% 42.01%
Free Cash Flow Firm Growth		 -53.28% -76.28% 14,484.41%
Invested Capital Growth		 3.66% 1.60% -14.56%
Revenue Q/Q Growth		 0.13% -5.41% 4.81%
EBITDA Q/Q Growth		 0.30% -13.83% 6.74%
EBIT Q/Q Growth		 2.97% -15.84% 6.28%
NOPAT Q/Q Growth		 3.02% -15.87% 6.62%
Net Income Q/Q Growth		 3.02% -15.87% 6.62%
EPS Q/Q Growth		 2.80% -15.85% 6.22%
Operating Cash Flow Q/Q Growth		 -5.53% -7.22% 17.22%
Free Cash Flow Firm Q/Q Growth		 57.42% -16.87% 13.95%
Invested Capital Q/Q Growth		 0.09% 1.00% 1.23%
Profitability Metrics		 - - -
EBITDA Margin		 40.59% 47.40% 56.29%
EBIT Margin		 37.29% 40.81% 49.86%
Profit (Net Income) Margin		 28.43% 30.84% 37.73%
Tax Burden Percent		 76.25% 75.56% 75.68%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 23.75% 24.44% 24.32%
Return on Invested Capital (ROIC)		 6.53% 8.05% 9.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.53% 8.05% 9.59%
Return on Net Nonoperating Assets (RNNOA)		 0.86% 1.37% 2.56%
Return on Equity (ROE)		 7.39% 9.42% 12.16%
Cash Return on Invested Capital (CROIC)		 2.94% 6.46% 25.29%
Operating Return on Assets (OROA)		 1.03% 1.28% 1.63%
Return on Assets (ROA)		 0.79% 0.96% 1.23%
Return on Common Equity (ROCE)		 7.39% 9.42% 12.16%
Return on Equity Simple (ROE_SIMPLE)		 7.22% 9.09% 12.54%
Net Operating Profit after Tax (NOPAT)		 49 59 75
NOPAT Margin		 28.43% 30.84% 37.73%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.05% 41.10% 36.09%
Operating Expenses to Revenue		 61.55% 58.53% 50.31%
Earnings before Interest and Taxes (EBIT)		 64 78 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 90 112
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.93 0.86 1.07
Price to Tangible Book Value (P/TBV)		 0.93 0.86 1.07
Price to Revenue (P/Rev)		 3.64 2.93 3.23
Price to Earnings (P/E)		 12.82 9.50 8.55
Dividend Yield		 4.37% 4.92% 4.18%
Earnings Yield		 7.80% 10.53% 11.70%
Enterprise Value to Invested Capital (EV/IC)		 0.09 0.09 0.16
Enterprise Value to Revenue (EV/Rev)		 0.40 0.36 0.58
Enterprise Value to EBITDA (EV/EBITDA)		 0.99 0.76 1.03
Enterprise Value to EBIT (EV/EBIT)		 1.08 0.88 1.16
Enterprise Value to NOPAT (EV/NOPAT)		 1.41 1.16 1.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.16 1.06 1.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.14 1.45 0.58
Leverage & Solvency		 - - -
Debt to Equity		 0.13 0.14 0.20
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.13 0.17 0.27
Leverage Ratio		 9.39 9.77 9.85
Compound Leverage Factor		 9.39 9.77 9.85
Debt to Total Capital		 11.14% 12.12% 16.98%
Short-Term Debt to Total Capital		 11.14% 12.12% 16.98%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 88.86% 87.88% 83.02%
Debt to EBITDA		 1.22 0.99 1.09
Net Debt to EBITDA		 -7.99 -5.43 -4.70
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 1.74 1.52 1.63
Net Debt to NOPAT		 -11.41 -8.34 -7.02
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 22 47 198
Operating Cash Flow to CapEx		 1,425.13% 1,131.82% 2,371.83%
Free Cash Flow to Firm to Interest Expense		 0.24 0.87 30.67
Operating Cash Flow to Interest Expense		 0.65 1.18 12.16
Operating Cash Flow Less CapEx to Interest Expense		 0.60 1.08 11.65
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.03 0.03
Fixed Asset Turnover		 5.07 5.71 6.08
Capital & Investment Metrics		 - - -
Invested Capital		 761 734 723
Invested Capital Turnover		 0.23 0.26 0.25
Increase / (Decrease) in Invested Capital		 27 12 -123
Enterprise Value (EV)		 69 68 115
Market Capitalization		 626 557 643
Book Value per Share		 $35.58 $33.92 $31.49
Tangible Book Value per Share		 $35.58 $33.92 $31.49
Total Capital		 761 734 723
Total Debt		 85 89 123
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -557 -489 -528
Capital Expenditures (CapEx)		 4.17 5.67 3.32
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 85 89 123
Total Depreciation and Amortization (D&A)		 5.68 13 13
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.57 $3.08 $3.93
Adjusted Weighted Average Basic Shares Outstanding		 19.02M 19.02M 19.02M
Adjusted Diluted Earnings per Share		 $2.57 $3.08 $3.93
Adjusted Weighted Average Diluted Shares Outstanding		 19.02M 19.02M 19.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.02M 19.02M
Normalized Net Operating Profit after Tax (NOPAT)		 49 59 75
Normalized NOPAT Margin		 28.43% 30.84% 37.73%
Pre Tax Income Margin		 37.29% 40.81% 49.86%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.70 1.43 15.37
NOPAT to Interest Expense		 0.53 1.08 11.63
EBIT Less CapEx to Interest Expense		 0.66 1.32 14.86
NOPAT Less CapEx to Interest Expense		 0.49 0.97 11.12
Payout Ratios		 - - -
Dividend Payout Ratio		 56.13% 46.70% 35.88%
Augmented Payout Ratio		 56.89% 46.70% 45.19%

Quarterly Metrics And Ratios for TrustCo Bank Corp NY

This table displays calculated financial ratios and metrics derived from TrustCo Bank Corp NY's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.53% -6.82% -10.71% -19.78% -20.16% -10.32% 1.40% 14.04% 20.40% 18.10%
EBITDA Growth		 1.29% -33.24% -20.42% -30.94% -47.27% -22.69% -6.27% 2.82% 30.15% 36.39%
EBIT Growth		 14.31% -12.13% -24.48% -32.71% -53.10% -25.26% -6.99% 4.14% 27.18% 15.48%
NOPAT Growth		 14.55% -12.30% -23.34% -31.67% -52.90% -24.19% -8.39% 3.84% 28.75% 15.52%
Net Income Growth		 14.55% -12.30% -23.34% -31.67% -52.90% -24.19% -8.39% 3.84% 28.75% 15.52%
EPS Growth		 13.46% -11.69% -23.26% -31.18% -52.73% -23.76% -7.53% 4.49% 29.41% 15.96%
Operating Cash Flow Growth		 -19.52% 38.95% 19.48% -47.31% -21.89% -48.01% -28.84% 71.09% 102.59% 39.24%
Free Cash Flow Firm Growth		 -794.71% -1,399.62% -87.82% -84.04% -101.21% -98.71% -74.95% 574.29% 408.71% 363.08%
Invested Capital Growth		 3.66% 4.60% 1.32% -0.73% 1.60% 1.83% -0.91% -10.97% -14.56% -12.66%
Revenue Q/Q Growth		 -0.67% 0.38% 4.87% -3.85% -7.94% -3.81% -5.78% -4.31% 3.42% 8.76%
EBITDA Q/Q Growth		 9.57% -29.40% 21.75% -17.53% -27.78% -15.85% 5.65% -17.87% 5.88% 2.03%
EBIT Q/Q Growth		 -12.76% 2.56% 3.53% 23.40% -32.93% -11.86% -7.74% -14.00% 6.88% 9.69%
NOPAT Q/Q Growth		 -12.38% 2.58% 3.50% 23.13% -32.92% -10.33% -7.74% -15.13% 7.98% 8.35%
Net Income Q/Q Growth		 -12.38% 2.58% 3.50% 23.13% -32.92% -10.33% -7.74% -15.13% 7.98% 8.35%
EPS Q/Q Growth		 -13.24% 3.03% 3.13% 23.08% -32.47% -10.47% -7.53% -15.45% 8.91% 8.60%
Operating Cash Flow Q/Q Growth		 -13.03% -11.92% 89.16% -44.45% 50.14% -24.26% -16.58% -17.67% -0.06% 3.67%
Free Cash Flow Firm Q/Q Growth		 24.28% -829.85% -83.96% 1,109.08% -209.99% -93.16% -78.97% -23.62% 17.22% 33.07%
Invested Capital Q/Q Growth		 0.09% 2.09% 0.18% 1.27% 1.00% -1.10% -1.85% 3.64% 1.23% -3.77%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.72% 34.20% 48.63% 41.88% 37.44% 47.73% 54.56% 48.66% 56.69% 55.37%
EBIT Margin		 34.05% 38.76% 37.94% 38.43% 29.94% 41.10% 44.86% 45.81% 50.97% 49.32%
Profit (Net Income) Margin		 26.05% 29.53% 28.89% 29.28% 22.86% 31.37% 33.65% 34.37% 38.75% 37.11%
Tax Burden Percent		 76.50% 76.17% 76.16% 76.18% 76.34% 76.32% 75.02% 75.02% 76.02% 75.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.50% 23.83% 23.84% 23.82% 23.66% 23.68% 24.98% 24.98% 23.98% 24.76%
Return on Invested Capital (ROIC)		 5.98% 6.81% 6.82% 7.06% 5.97% 8.75% 9.41% 8.89% 9.85% 9.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.98% 6.81% 6.82% 7.06% 5.97% 8.75% 9.41% 8.89% 9.85% 9.22%
Return on Net Nonoperating Assets (RNNOA)		 0.79% 1.02% 1.09% 1.28% 1.01% 1.65% 2.02% 2.82% 2.63% 2.79%
Return on Equity (ROE)		 6.77% 7.84% 7.91% 8.34% 6.98% 10.40% 11.43% 11.71% 12.48% 12.01%
Cash Return on Invested Capital (CROIC)		 2.94% 1.88% 5.33% 7.83% 6.46% 7.86% 10.99% 21.15% 25.29% 22.73%
Operating Return on Assets (OROA)		 0.94% 1.09% 1.09% 1.13% 0.94% 1.36% 1.51% 1.53% 1.67% 1.54%
Return on Assets (ROA)		 0.72% 0.83% 0.83% 0.86% 0.71% 1.04% 1.13% 1.15% 1.27% 1.16%
Return on Common Equity (ROCE)		 6.77% 7.84% 7.91% 8.34% 6.98% 10.40% 11.43% 11.71% 12.48% 12.01%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.09% 7.51% 8.17% 0.00% 11.17% 11.97% 12.35% 0.00% 11.98%
Net Operating Profit after Tax (NOPAT)		 11 13 13 12 9.85 15 16 18 21 19
NOPAT Margin		 26.05% 29.53% 28.89% 29.28% 22.86% 31.37% 33.65% 34.37% 38.75% 37.11%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.31% 42.43% 44.55% 43.90% 43.85% 41.16% 40.65% 39.19% 36.25% 35.76%
Operating Expenses to Revenue		 65.03% 60.09% 60.91% 60.12% 66.92% 58.68% 56.17% 53.61% 48.93% 50.10%
Earnings before Interest and Taxes (EBIT)		 15 17 16 16 13 19 22 24 28 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 15 21 17 16 22 27 25 31 29
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.93 0.94 0.84 0.81 0.86 0.79 0.83 0.93 1.07 0.94
Price to Tangible Book Value (P/TBV)		 0.93 0.94 0.84 0.81 0.86 0.79 0.83 0.93 1.07 0.94
Price to Revenue (P/Rev)		 3.64 3.66 3.13 2.94 2.93 2.46 2.50 2.77 3.23 2.90
Price to Earnings (P/E)		 12.82 13.26 11.12 9.97 9.50 7.08 6.94 7.50 8.55 7.83
Dividend Yield		 4.37% 4.35% 5.01% 5.18% 4.92% 5.55% 5.27% 4.75% 4.18% 4.85%
Earnings Yield		 7.80% 7.54% 8.99% 10.03% 10.53% 14.12% 14.40% 13.33% 11.70% 12.78%
Enterprise Value to Invested Capital (EV/IC)		 0.09 0.26 0.14 0.02 0.09 0.12 0.04 0.09 0.16 0.00
Enterprise Value to Revenue (EV/Rev)		 0.40 1.15 0.58 0.07 0.36 0.45 0.13 0.32 0.58 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.99 2.84 1.31 0.16 0.76 0.86 0.24 0.59 1.03 0.00
Enterprise Value to EBIT (EV/EBIT)		 1.08 3.17 1.56 0.19 0.88 0.97 0.27 0.66 1.16 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 1.41 4.16 2.05 0.25 1.16 1.28 0.36 0.88 1.53 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.16 3.13 1.73 0.24 1.06 1.30 0.34 0.77 1.47 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.14 14.12 2.56 0.23 1.45 1.58 0.33 0.40 0.58 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.13 0.14 0.14 0.15 0.14 0.17 0.18 0.22 0.20 0.21
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.13 0.15 0.16 0.18 0.17 0.19 0.21 0.32 0.27 0.30
Leverage Ratio		 9.39 9.41 9.54 9.67 9.77 10.00 10.12 10.21 9.85 10.39
Compound Leverage Factor		 9.39 9.41 9.54 9.67 9.77 10.00 10.12 10.21 9.85 10.39
Debt to Total Capital		 11.14% 12.03% 12.04% 12.69% 12.12% 14.18% 15.48% 17.93% 16.98% 17.50%
Short-Term Debt to Total Capital		 11.14% 12.03% 12.04% 12.69% 12.12% 14.18% 15.48% 17.93% 16.98% 17.50%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 88.86% 87.97% 87.96% 87.31% 87.88% 85.82% 84.53% 82.07% 83.02% 82.50%
Debt to EBITDA		 1.22 1.32 1.17 1.15 0.99 0.99 1.02 1.19 1.09 1.19
Net Debt to EBITDA		 -7.99 -6.21 -5.80 -6.26 -5.43 -3.86 -4.40 -4.45 -4.70 -6.81
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 1.74 1.93 1.82 1.78 1.52 1.48 1.53 1.77 1.63 1.77
Net Debt to NOPAT		 -11.41 -9.10 -9.07 -9.72 -8.34 -5.80 -6.58 -6.62 -7.02 -10.15
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -16 -21 2.82 18 -1.74 1.58 23 110 144 123
Operating Cash Flow to CapEx		 845.96% 1,844.30% 1,686.40% 1,975.25% 587.02% 1,455.95% 1,479.41% 2,480.85% 1,395.96% 3,908.05%
Free Cash Flow to Firm to Interest Expense		 -0.68 -0.92 0.12 0.76 -0.09 0.10 1.92 15.79 49.70 98.46
Operating Cash Flow to Interest Expense		 0.62 0.74 0.82 0.43 0.89 0.77 1.30 2.70 7.87 18.29
Operating Cash Flow Less CapEx to Interest Expense		 0.55 0.70 0.77 0.41 0.74 0.72 1.21 2.59 7.31 17.82
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 5.07 5.24 5.31 5.48 5.71 6.28 6.38 6.34 6.08 5.84
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 761 760 745 744 734 727 735 749 723 714
Invested Capital Turnover		 0.23 0.23 0.24 0.24 0.26 0.28 0.28 0.26 0.25 0.25
Increase / (Decrease) in Invested Capital		 27 33 9.73 -5.43 12 13 -6.76 -92 -123 -104
Enterprise Value (EV)		 69 197 101 13 68 90 27 66 115 -164
Market Capitalization		 626 629 547 529 557 494 517 569 643 552
Book Value per Share		 $35.58 $35.19 $34.44 $34.12 $33.92 $32.80 $32.66 $32.31 $31.49 $30.79
Tangible Book Value per Share		 $35.58 $35.19 $34.44 $34.12 $33.92 $32.80 $32.66 $32.31 $31.49 $30.79
Total Capital		 761 760 745 744 734 727 735 749 723 714
Total Debt		 85 91 90 94 89 103 114 134 123 125
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -557 -432 -446 -515 -489 -404 -490 -503 -528 -716
Capital Expenditures (CapEx)		 1.70 0.89 1.11 0.50 3.04 0.82 1.06 0.76 1.63 0.58
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 85 91 90 94 89 103 114 134 123 125
Total Depreciation and Amortization (D&A)		 1.59 -1.99 4.64 1.43 3.23 3.10 4.72 1.47 3.09 3.16
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.59 $0.68 $0.66 $0.64 $0.52 $0.77 $0.86 $0.93 $1.10 $1.01
Adjusted Weighted Average Basic Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M
Adjusted Diluted Earnings per Share		 $0.59 $0.68 $0.66 $0.64 $0.52 $0.77 $0.86 $0.93 $1.10 $1.01
Adjusted Weighted Average Diluted Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.10 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.01M 19.01M 19.02M 19.02M 19.02M 19.02M 19.02M 19.02M 19.05M
Normalized Net Operating Profit after Tax (NOPAT)		 11 13 13 12 9.85 15 16 18 21 19
Normalized NOPAT Margin		 26.05% 29.53% 28.89% 29.28% 22.86% 31.37% 33.65% 34.37% 38.75% 37.11%
Pre Tax Income Margin		 34.05% 38.76% 37.94% 38.43% 29.94% 41.10% 44.86% 45.81% 50.97% 49.32%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.64 0.75 0.72 0.69 0.64 1.25 1.81 3.40 9.49 20.62
NOPAT to Interest Expense		 0.49 0.57 0.55 0.52 0.49 0.96 1.36 2.55 7.22 15.52
EBIT Less CapEx to Interest Expense		 0.57 0.71 0.67 0.67 0.49 1.20 1.73 3.29 8.93 20.15
NOPAT Less CapEx to Interest Expense		 0.42 0.53 0.50 0.50 0.34 0.90 1.27 2.44 6.65 15.05
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 56.13% 57.86% 55.73% 51.63% 46.70% 39.24% 36.57% 35.74% 35.88% 37.87%
Augmented Payout Ratio		 56.89% 58.65% 56.49% 51.63% 46.70% 41.43% 41.99% 35.74% 45.19% 45.63%

Frequently Asked Questions About TrustCo Bank Corp NY's Financials

When does TrustCo Bank Corp NY's fiscal year end?

According to the most recent income statement we have on file, TrustCo Bank Corp NY's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has TrustCo Bank Corp NY's net income changed over the last 2 years?

TrustCo Bank Corp NY's net income appears to be on a downward trend, with a most recent value of $48.83 million in 2024, falling from $75.23 million in 2022. The previous period was $58.65 million in 2023.

How has TrustCo Bank Corp NY revenue changed over the last 2 years?

Over the last 2 years, TrustCo Bank Corp NY's total revenue changed from $199.40 million in 2022 to $171.77 million in 2024, a change of -13.9%.

How much debt does TrustCo Bank Corp NY have?

TrustCo Bank Corp NY's total liabilities were at $5.56 billion at the end of 2024, a 0.7% increase from 2023, and a 3.0% increase since 2022.

How much cash does TrustCo Bank Corp NY have?

In the past 2 years, TrustCo Bank Corp NY's cash and equivalents has ranged from $43.43 million in 2022 to $49.27 million in 2023, and is currently $47.36 million as of their latest financial filing in 2024.

How has TrustCo Bank Corp NY's book value per share changed over the last 2 years?

Over the last 2 years, TrustCo Bank Corp NY's book value per share changed from 31.49 in 2022 to 35.58 in 2024, a change of 13.0%.


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This page (NASDAQ:TRST) was last updated on 5/21/2025 by MarketBeat.com Staff
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