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TrustCo Bank Corp NY (TRST) Financials

TrustCo Bank Corp NY logo
$54.92 -0.52 (-0.94%)
Closing price 07/17/2026 04:00 PM Eastern
Extended Trading
$54.93 +0.01 (+0.02%)
As of 07/17/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 42 43 43 61 58 52 62 75 59 49 61
Consolidated Net Income / (Loss)		 42 43 43 61 58 52 62 75 59 49 61
Net Income / (Loss) Continuing Operations		 42 43 43 61 58 52 62 75 59 49 61
Total Pre-Tax Income 		67 68 77 80 77 69 82 99 78 64 81
Total Revenue		 161 165 173 179 174 171 178 199 190 172 188
Net Interest Income / (Expense)		 143 146 154 161 156 154 160 180 172 152 169
Total Interest Income		 159 161 169 181 192 178 168 187 226 243 259
Loans and Leases Interest Income		 142 144 149 159 167 166 159 163 188 206 221
Investment Securities Interest Income		 15 14 14 13 14 9.96 7.10 9.79 12 11 10
Federal Funds Sold and Securities Borrowed Interest Income		 1.73 3.41 6.68 9.28 10 1.95 1.46 14 27 26 28
Total Interest Expense		 16 15 15 20 36 25 7.57 6.47 54 91 90
Deposits Interest Expense		 15 14 13 19 35 24 6.67 5.73 53 91 90
Short-Term Borrowings Interest Expense		 1.21 1.09 1.40 1.27 1.47 1.01 0.91 0.74 1.01 0.79 0.89
Total Non-Interest Income		 18 19 18 18 19 17 18 19 18 20 19
Other Service Charges		 12 12 12 12 12 9.74 11 12 12 11 11
Net Realized & Unrealized Capital Gains on Investments		 0.25 0.67 - 0.00 0.00 1.16 - 0.00 0.00 1.38 0.00
Other Non-Interest Income		 - 5.89 6.58 6.28 6.39 6.28 7.36 7.04 6.43 7.25 7.86
Provision for Credit Losses		 3.70 2.95 2.00 1.40 0.16 5.60 -5.45 -0.34 1.25 2.00 1.60
Total Non-Interest Expense		 91 94 94 98 98 96 102 100 111 106 106
Salaries and Employee Benefits		 33 37 41 42 47 46 49 46 51 48 49
Net Occupancy & Equipment Expense		 23 22 23 24 24 24 24 24 25 26 26
Marketing Expense		 2.59 2.52 2.58 3.02 2.52 1.92 1.98 2.05 1.88 1.80 1.58
Other Operating Expenses		 33 32 28 28 25 24 27 28 33 30 29
Income Tax Expense		 25 26 34 18 19 17 21 24 19 15 20
Basic Earnings per Share		 $0.44 $0.45 $0.45 $0.64 $2.99 $2.72 $3.19 $3.93 $3.08 $2.57 $3.26
Weighted Average Basic Shares Outstanding		 95.37M 95.86M 96.35M 96.50M 96.90M 96.43M 19.22M 19.02M 19.02M 19.02M 17.71M
Diluted Earnings per Share		 $0.44 $0.45 $0.45 $0.64 $2.98 $2.72 $3.19 $3.93 $3.08 $2.57 $3.25
Weighted Average Diluted Shares Outstanding		 95.37M 95.86M 96.35M 96.50M 96.90M 96.43M 19.22M 19.02M 19.02M 19.02M 17.71M
Weighted Average Basic & Diluted Shares Outstanding		 95.37M 95.86M 96.35M 96.50M 96.90M 96.43M 19.22M 19.02M 19.02M 19.02M 17.71M
Cash Dividends to Common per Share		 $0.26 $0.26 $0.26 $0.27 $0.27 $0.27 $1.37 $1.41 $1.44 $1.44 $1.48

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 15 9.85 12 13 13 11 14 15 16 16 16
Consolidated Net Income / (Loss)		 15 9.85 12 13 13 11 14 15 16 16 16
Net Income / (Loss) Continuing Operations		 15 9.85 12 13 13 11 14 15 16 16 16
Total Pre-Tax Income 		19 13 16 16 17 15 19 20 21 21 22
Total Revenue		 47 43 41 43 44 43 45 47 48 48 50
Net Interest Income / (Expense)		 42 39 37 38 39 39 40 42 43 44 45
Total Interest Income		 58 59 60 61 61 62 63 64 66 66 66
Loans and Leases Interest Income		 48 49 50 51 52 53 54 55 56 56 58
Investment Securities Interest Income		 2.81 2.94 3.05 2.88 2.63 2.61 2.54 2.57 2.58 2.72 2.48
Federal Funds Sold and Securities Borrowed Interest Income		 6.69 6.35 6.75 6.89 6.17 6.13 6.73 7.21 7.38 6.58 6.11
Total Interest Expense		 15 20 23 23 22 23 22 23 23 22 22
Deposits Interest Expense		 15 20 23 23 22 23 22 23 23 22 21
Short-Term Borrowings Interest Expense		 0.24 0.20 0.20 0.21 0.19 0.19 0.18 0.18 0.20 0.34 0.40
Total Non-Interest Income		 4.57 4.47 4.84 5.65 4.93 4.41 4.97 4.85 4.69 4.43 4.84
Other Service Charges		 2.95 2.86 3.03 2.68 2.86 2.63 2.85 3.03 2.72 2.48 2.71
Other Non-Interest Income		 1.63 1.61 1.82 1.61 2.04 1.78 2.12 1.82 1.97 1.95 2.14
Provision for Credit Losses		 0.10 1.35 0.60 0.50 0.50 0.40 0.30 0.65 0.25 0.40 0.95
Total Non-Interest Expense		 27 29 25 26 26 28 26 26 26 27 27
Salaries and Employee Benefits		 12 12 11 13 12 12 12 12 13 12 12
Net Occupancy & Equipment Expense		 6.28 6.06 6.35 6.37 6.03 6.97 6.50 6.44 6.41 6.81 6.56
Marketing Expense		 0.59 0.38 0.41 0.47 0.34 0.59 0.36 0.30 0.29 0.63 0.39
Other Operating Expenses		 8.20 9.94 6.72 7.11 7.70 8.54 7.58 7.61 6.82 6.50 7.81
Income Tax Expense		 4.56 3.05 3.79 3.93 4.03 3.47 4.44 4.69 5.06 5.49 5.33
Basic Earnings per Share		 $0.77 $0.52 $0.64 $0.66 $0.68 $0.59 $0.75 $0.79 $0.87 $0.85 $0.91
Weighted Average Basic Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 18.42M 0.00 17.47M
Diluted Earnings per Share		 $0.77 $0.52 $0.64 $0.66 $0.68 $0.59 $0.75 $0.79 $0.86 $0.85 $0.91
Weighted Average Diluted Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 18.42M 0.00 17.47M
Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 18.42M 0.00 17.47M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 47 -11 -95 -109 -47 650 112 -569 -73 64 89
Net Cash From Operating Activities		 60 55 62 68 64 62 55 79 64 59 58
Net Cash From Continuing Operating Activities		 60 55 62 68 64 62 55 79 64 59 58
Net Income / (Loss) Continuing Operations		 42 43 43 61 58 52 62 75 59 49 61
Consolidated Net Income / (Loss)		 42 43 43 61 58 52 62 75 59 49 61
Provision For Loan Losses		 3.70 2.95 2.00 1.40 0.16 5.60 -5.45 -0.34 1.25 2.00 1.60
Depreciation Expense		 4.55 4.04 3.82 4.11 3.95 4.04 4.22 4.10 4.11 4.54 4.82
Amortization Expense		 5.49 -4.99 4.33 3.15 2.97 10 3.96 8.72 8.41 1.14 7.53
Non-Cash Adjustments to Reconcile Net Income		 3.73 6.17 0.16 2.88 6.18 -2.43 6.05 3.75 2.15 8.35 6.04
Changes in Operating Assets and Liabilities, net		 0.30 3.85 8.25 -5.35 -7.31 -7.52 -15 -13 -10 -5.42 -24
Net Cash From Investing Activities		 -61 -158 -145 -174 -249 -35 -175 -417 -234 -3.75 -105
Net Cash From Continuing Investing Activities		 -61 -158 -145 -174 -249 -35 -175 -417 -234 -3.75 -105
Purchase of Property, Leasehold Improvements and Equipment		 -3.74 -2.06 -3.61 -3.65 -3.89 -3.83 -2.84 -3.79 -5.67 -4.88 -12
Purchase of Investment Securities		 -339 -422 -295 -303 -456 -329 -335 -204 -290 -141 -250
Sale of Property, Leasehold Improvements and Equipment		 0.11 0.67 0.06 0.00 0.02 0.00 0.01 0.47 0.00 0.71 0.00
Sale and/or Maturity of Investments		 281 266 154 133 211 298 162 -210 62 141 158
Net Cash From Financing Activities		 48 92 -11 -2.85 138 623 232 -231 97 8.12 136
Net Cash From Continuing Financing Activities		 48 92 -11 -2.85 138 623 232 -231 97 8.12 136
Net Change in Deposits		 68 96 -23 101 176 587 231 -75 158 40 166
Issuance of Debt		 2.11 18 34 - -13 66 30 - -34 -4.21 35
Repurchase of Common Equity		 -0.15 -0.70 -4.61 -0.72 -0.04 -3.49 -2.39 -7.00 0.00 -0.37 -38
Payment of Dividends		 -25 -25 -25 -26 -26 -26 -26 -27 -27 -27 -28
Other Financing Activities, Net		 0.15 1.37 5.24 1.22 0.19 0.00 0.06 0.43 0.00 -0.10 -0.27
Cash Interest Paid		 16 15 15 20 36 26 7.89 6.03 51 91 91
Cash Income Taxes Paid		 21 23 26 16 17 18 20 19 19 9.15 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -96 71 32 -74 -13 119 114 -43 -18 35 38
Net Cash From Operating Activities		 12 18 9.90 19 16 14 1.28 27 13 16 12
Net Cash From Continuing Operating Activities		 12 18 9.90 19 16 14 1.28 27 13 16 12
Net Income / (Loss) Continuing Operations		 15 9.85 12 13 13 11 14 15 16 16 16
Consolidated Net Income / (Loss)		 15 9.85 12 13 13 11 14 15 16 16 16
Provision For Loan Losses		 0.10 1.35 0.60 0.50 0.50 0.40 0.30 0.65 0.25 0.40 0.95
Depreciation Expense		 1.03 1.06 1.09 1.05 1.05 1.36 1.15 1.17 1.23 1.27 1.25
Amortization Expense		 2.07 2.17 2.00 3.60 -3.04 0.24 1.91 3.56 1.86 1.86 1.82
Non-Cash Adjustments to Reconcile Net Income		 0.18 0.07 1.60 -3.22 0.99 0.03 2.57 1.05 0.81 1.79 -0.64
Changes in Operating Assets and Liabilities, net		 -6.19 3.31 -7.52 4.24 4.11 1.03 -19 5.59 -7.60 -4.42 -7.85
Net Cash From Investing Activities		 -66 -42 19 -2.21 -12 -8.66 17 -51 -19 -51 -31
Net Cash From Continuing Investing Activities		 -66 -42 19 -2.21 -12 -8.66 17 -51 -19 -51 -31
Purchase of Property, Leasehold Improvements and Equipment		 -0.82 -3.04 -0.50 -1.11 -0.93 -2.34 -4.55 -2.12 -2.82 -2.39 -1.64
Purchase of Investment Securities		 -76 215 -25 -33 -50 65 -28 -86 -56 -81 -63
Sale and/or Maturity of Investments		 11 -254 44 32 39 -72 49 36 40 32 33
Net Cash From Financing Activities		 -42 95 2.93 -90 -18 113 96 -18 -12 70 57
Net Cash From Continuing Financing Activities		 -42 95 2.93 -90 -18 113 96 -18 -12 70 57
Net Change in Deposits		 -24 116 4.39 -78 -13 127 106 -6.36 -9.04 76 95
Repayment of Debt		 -11 - 5.38 - - - -2.51 - 15 22 -7.12
Repurchase of Common Equity		 - - - - - - 0.00 - -12 -21 -24
Payment of Dividends		 -6.85 -6.88 -6.85 -6.85 -6.85 -6.86 -6.85 -6.84 -6.82 -7.11 -6.76
Cash Interest Paid		 2.87 38 23 23 22 23 23 22 24 22 21
Cash Income Taxes Paid		 4.63 4.45 0.49 3.07 5.31 - 6.60 - 7.77 4.71 4.33

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 4,735 4,869 4,908 4,959 5,221 5,902 6,197 6,000 6,168 6,239 6,441
Cash and Due from Banks		 42 49 44 49 48 47 1,268 43 49 47 51
Interest Bearing Deposits at Other Banks		 676 659 569 454 409 1,060 1,171 607 529 594 680
Trading Account Securities		 658 666 600 524 592 453 418 489 459 364 315
Loans and Leases, Net of Allowance		 3,249 3,387 3,592 3,829 4,018 4,195 4,350 4,687 4,954 5,048 5,200
Loans and Leases		 3,293 3,431 3,636 3,874 4,062 4,244 4,439 4,733 5,003 5,098 5,252
Allowance for Loan and Lease Losses		 45 44 44 45 44 50 89 46 49 50 52
Premises and Equipment, Net		 38 35 35 35 35 34 33 33 34 34 41
Other Assets		 73 74 68 67 120 107 132 141 143 152 155
Total Liabilities & Shareholders' Equity		 4,735 4,869 4,908 4,959 5,221 5,902 6,151 6,000 6,168 6,239 6,441
Total Liabilities		 4,322 4,436 4,450 4,469 4,683 5,334 5,595 5,400 5,523 5,562 5,754
Interest Bearing Deposits		 4,100 4,196 4,173 4,274 4,450 5,037 5,268 5,193 5,351 5,391 5,557
Short-Term Debt		 191 209 243 162 149 215 245 123 89 85 120
Other Long-Term Liabilities		 30 31 33 33 84 82 - 85 83 87 77
Total Equity & Noncontrolling Interests		 413 433 458 490 538 568 638 600 645 676 687
Total Preferred & Common Equity		 413 433 458 490 538 568 601 600 645 676 687
Total Common Equity		 413 433 458 490 538 568 638 600 645 676 687
Common Stock		 270 271 276 277 277 277 277 277 277 279 280
Retained Earnings		 184 202 219 256 288 314 349 394 425 447 480
Treasury Stock		 -36 -33 -35 -33 -31 -34 - -44 -44 -45 -84
Accumulated Other Comprehensive Income / (Loss)		 -4.78 -6.25 -1.81 -10 4.46 12 12 -27 -13 -3.86 10

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 6,079 6,046 6,076 6,054 6,180 6,107 6,110 6,339 6,348 6,349 6,508
Cash and Due from Banks		 46 48 56 46 45 42 50 49 45 42 43
Interest Bearing Deposits at Other Banks		 795 589 548 461 565 494 473 707 668 654 725
Trading Account Securities		 476 484 460 457 432 401 389 330 341 324 305
Loans and Leases, Net of Allowance		 4,584 4,753 4,840 4,913 4,956 4,989 5,021 5,066 5,105 5,140 5,237
Loans and Leases		 4,629 4,800 4,887 4,960 5,006 5,038 5,071 5,116 5,157 5,192 5,290
Allowance for Loan and Lease Losses		 46 47 47 47 49 50 50 51 51 52 53
Premises and Equipment, Net		 32 32 32 32 33 33 33 37 38 40 41
Other Assets		 146 140 140 145 148 147 143 150 150 149 157
Total Liabilities & Shareholders' Equity		 6,079 6,046 6,076 6,054 6,180 6,107 6,110 6,339 6,348 6,349 6,508
Total Liabilities		 5,490 5,431 5,454 5,430 5,530 5,451 5,441 5,651 5,656 5,657 5,837
Interest Bearing Deposits		 5,282 5,212 5,258 5,234 5,355 5,277 5,264 5,497 5,490 5,481 5,652
Short-Term Debt		 125 134 114 103 94 90 91 82 82 98 113
Other Long-Term Liabilities		 84 84 82 93 81 85 85 72 83 78 72
Total Equity & Noncontrolling Interests		 589 615 621 624 649 655 669 688 693 692 671
Total Preferred & Common Equity		 589 615 621 624 649 655 669 688 693 692 671
Total Common Equity		 589 615 621 624 649 655 669 688 693 692 671
Common Stock		 277 277 277 277 277 278 278 279 280 280 281
Retained Earnings		 380 405 414 422 430 436 442 454 462 471 490
Treasury Stock		 -42 -44 -44 -44 -44 -44 -44 -45 -51 -62 -108
Accumulated Other Comprehensive Income / (Loss)		 -25 -23 -26 -32 -15 -14 -6.60 -0.13 1.66 2.96 8.24

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 95,260,307.00 95,705,176.00 96,107,596.00 96,658,592.00 96,916,807.00 96,432,657.00 19,218,501.00 - - - 18,851,014.00
DEI Adjusted Shares Outstanding		 19,052,061.00 19,141,035.00 19,221,519.00 19,331,718.00 19,383,361.00 19,286,531.00 19,218,501.00 - - - 18,851,014.00
DEI Earnings Per Adjusted Shares Outstanding		 2.22 2.23 2.24 3.18 2.98 2.72 3.20 - - - 3.24
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.21% 2.51% 4.65% 3.49% -2.44% -2.09% 4.45% 11.80% -4.63% -9.67% 9.40%
EBITDA Growth		 -6.14% -12.32% 26.06% 2.38% -4.00% 0.09% 8.14% 24.28% -19.69% -22.64% 33.61%
EBIT Growth		 -6.75% 2.29% 12.38% 3.79% -3.95% -9.23% 18.27% 21.04% -21.93% -17.48% 26.18%
NOPAT Growth		 -4.42% 0.86% 1.28% 42.42% -5.87% -9.32% 17.29% 22.29% -22.05% -16.73% 25.20%
Net Income Growth		 -4.42% 0.86% 1.28% 42.42% -5.87% -9.32% 17.29% 22.29% -22.05% -16.73% 25.20%
EPS Growth		 -4.72% 0.23% 0.67% 41.96% -5.87% -9.32% 17.28% 23.20% -21.63% -16.56% 26.46%
Operating Cash Flow Growth		 9.12% -8.52% 12.38% 9.65% -5.68% -2.57% -10.93% 42.01% -18.44% -7.31% -3.09%
Free Cash Flow Firm Growth		 -26.61% -75.10% -418.37% 790.95% -79.56% -291.97% 96.83% 14,484.41% -76.28% -53.28% -28.96%
Invested Capital Growth		 3.77% 6.21% 9.22% -7.06% 5.39% 13.97% 8.03% -14.56% 1.60% 3.66% 5.98%
Revenue Q/Q Growth		 0.17% 0.44% 3.98% -1.56% -1.60% 0.53% 0.89% 4.81% -5.41% 0.13% 2.65%
EBITDA Q/Q Growth		 6.22% -11.78% 25.97% -0.48% -7.45% 7.84% -2.87% 6.74% -13.83% 0.30% 15.96%
EBIT Q/Q Growth		 -1.33% 1.74% 9.63% -5.26% -1.93% -0.64% 4.86% 6.28% -15.84% 2.97% 8.47%
NOPAT Q/Q Growth		 -1.12% 1.47% -7.38% 16.43% -3.55% -0.18% 4.11% 6.62% -15.87% 3.02% 7.54%
Net Income Q/Q Growth		 -1.12% 1.47% -7.38% 16.43% -3.55% -0.18% 4.11% 6.62% -15.87% 3.02% 7.54%
EPS Q/Q Growth		 -1.33% 1.14% -8.57% 7.80% -3.55% -0.18% 3.91% 6.22% -15.85% 2.80% 8.70%
Operating Cash Flow Q/Q Growth		 -10.82% 4.55% 0.58% 7.29% -6.97% 0.36% -5.13% 17.22% -7.22% -5.53% 3.84%
Free Cash Flow Firm Q/Q Growth		 31.02% -78.86% -59.93% 56.94% -37.35% -80.07% 68.50% 13.95% -16.87% 57.42% -43.34%
Invested Capital Q/Q Growth		 1.31% 4.44% 4.45% -0.26% 1.43% 3.84% 3.47% 1.23% 1.00% 0.09% 2.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.70% 40.80% 49.14% 48.62% 47.84% 48.91% 50.64% 56.29% 47.40% 40.59% 49.57%
EBIT Margin		 41.46% 41.37% 44.43% 44.56% 43.87% 40.67% 46.05% 49.86% 40.81% 37.29% 43.00%
Profit (Net Income) Margin		 26.23% 25.81% 24.98% 34.37% 33.17% 30.72% 34.49% 37.73% 30.84% 28.43% 32.53%
Tax Burden Percent		 63.27% 62.38% 56.22% 77.14% 75.60% 75.53% 74.90% 75.68% 75.56% 76.25% 75.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.73% 37.62% 43.78% 22.86% 24.40% 24.47% 25.10% 24.32% 24.44% 23.75% 24.35%
Return on Invested Capital (ROIC)		 7.12% 6.83% 6.42% 9.08% 8.64% 7.14% 7.55% 9.59% 8.05% 6.53% 7.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.12% 6.83% 6.42% 9.08% 8.64% 7.14% 7.55% 9.59% 8.05% 6.53% 7.80%
Return on Net Nonoperating Assets (RNNOA)		 3.35% 3.24% 3.26% 3.88% 2.61% 2.34% 2.65% 2.56% 1.37% 0.86% 1.17%
Return on Equity (ROE)		 10.47% 10.07% 9.68% 12.96% 11.25% 9.48% 10.20% 12.16% 9.42% 7.39% 8.97%
Cash Return on Invested Capital (CROIC)		 3.41% 0.81% -2.39% 16.40% 3.39% -5.92% -0.17% 25.29% 6.46% 2.94% 1.99%
Operating Return on Assets (OROA)		 1.42% 1.42% 1.57% 1.61% 1.50% 1.25% 1.36% 1.63% 1.28% 1.03% 1.27%
Return on Assets (ROA)		 0.90% 0.89% 0.88% 1.25% 1.14% 0.94% 1.02% 1.23% 0.96% 0.79% 0.96%
Return on Common Equity (ROCE)		 10.47% 10.07% 9.68% 12.96% 11.25% 9.48% 10.20% 12.16% 9.42% 7.39% 8.97%
Return on Equity Simple (ROE_SIMPLE)		 10.22% 9.85% 9.41% 12.54% 10.75% 9.23% 10.23% 12.54% 9.09% 7.22% 8.90%
Net Operating Profit after Tax (NOPAT)		 42 43 43 61 58 52 62 75 59 49 61
NOPAT Margin		 26.23% 25.81% 24.98% 34.37% 33.17% 30.72% 34.49% 37.73% 30.84% 28.43% 32.53%
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% 0.00%
SG&A Expenses to Revenue		 35.89% 37.21% 38.15% 38.83% 41.79% 42.00% 42.08% 36.09% 41.10% 44.05% 40.70%
Operating Expenses to Revenue		 56.24% 56.84% 54.41% 54.66% 56.04% 56.05% 57.00% 50.31% 58.53% 61.55% 56.14%
Earnings before Interest and Taxes (EBIT)		 67 68 77 80 77 69 82 99 78 64 81
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 77 67 85 87 83 84 90 112 90 70 93
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 1.44 1.48 1.07 1.28 0.97 0.89 1.07 0.86 0.93 1.13
Price to Tangible Book Value (P/TBV)		 1.01 1.44 1.48 1.07 1.28 0.97 0.89 1.07 0.86 0.93 1.13
Price to Revenue (P/Rev)		 2.60 3.77 3.93 2.94 3.95 3.22 3.20 3.23 2.93 3.64 4.11
Price to Earnings (P/E)		 9.91 14.61 15.73 8.55 11.91 10.49 9.26 8.55 9.50 12.82 12.63
Dividend Yield		 5.98% 4.04% 3.72% 4.92% 3.83% 4.78% 4.63% 4.18% 4.92% 4.37% 3.61%
Earnings Yield		 10.09% 6.84% 6.36% 11.69% 8.40% 9.53% 10.79% 11.70% 10.53% 7.80% 7.92%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.19 0.44 0.28 0.55 0.00 0.00 0.16 0.09 0.09 0.20
Enterprise Value to Revenue (EV/Rev)		 0.00 0.75 1.79 1.03 2.18 0.00 0.00 0.58 0.36 0.40 0.86
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 1.85 3.64 2.11 4.56 0.00 0.00 1.03 0.76 0.99 1.74
Enterprise Value to EBIT (EV/EBIT)		 0.00 1.82 4.02 2.31 4.98 0.00 0.00 1.16 0.88 1.08 2.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 2.93 7.16 2.99 6.58 0.00 0.00 1.53 1.16 1.41 2.65
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 2.27 5.01 2.71 5.97 0.00 0.00 1.47 1.06 1.16 2.81
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 24.70 0.00 1.65 16.79 0.00 0.00 0.58 1.45 3.14 10.37
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.46 0.48 0.53 0.33 0.28 0.38 0.38 0.20 0.14 0.13 0.17
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 0.00
Financial Leverage		 0.47 0.47 0.51 0.43 0.30 0.33 0.35 0.27 0.17 0.13 0.15
Leverage Ratio		 11.63 11.35 10.97 10.41 9.90 10.05 10.03 9.85 9.77 9.39 9.30
Compound Leverage Factor		 11.63 11.35 10.97 10.41 9.90 10.05 10.03 9.85 9.77 9.39 9.30
Debt to Total Capital		 31.63% 32.61% 34.65% 24.84% 21.64% 27.43% 27.72% 16.98% 12.12% 11.14% 14.88%
Short-Term Debt to Total Capital		 31.63% 32.61% 34.65% 24.84% 21.64% 27.43% 27.72% 16.98% 12.12% 11.14% 14.88%
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% 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% 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% 0.00%
Common Equity to Total Capital		 68.37% 67.39% 65.35% 75.16% 78.36% 72.57% 72.28% 83.02% 87.88% 88.86% 85.12%
Debt to EBITDA		 2.49 3.11 2.86 1.86 1.78 2.57 2.71 1.09 0.99 1.22 1.29
Net Debt to EBITDA		 -6.86 -7.39 -4.36 -3.93 -3.69 -10.69 -24.30 -4.70 -5.43 -7.99 -6.55
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 0.00
Debt to NOPAT		 4.53 4.92 5.63 2.63 2.57 4.09 3.98 1.63 1.52 1.74 1.96
Net Debt to NOPAT		 -12.48 -11.69 -8.57 -5.56 -5.33 -17.01 -35.67 -7.02 -8.34 -11.41 -9.98
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 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 20 5.05 -16 111 23 -44 -1.38 198 47 22 16
Operating Cash Flow to CapEx		 1,652.20% 3,974.95% 1,737.75% 1,855.69% 1,644.70% 1,622.90% 1,953.60% 2,371.83% 1,131.82% 1,425.13% 485.49%
Free Cash Flow to Firm to Interest Expense		 1.25 0.33 -1.10 5.49 0.62 -1.76 -0.18 30.67 0.87 0.24 0.17
Operating Cash Flow to Interest Expense		 3.70 3.59 4.23 3.34 1.76 2.52 7.31 12.16 1.18 0.65 0.64
Operating Cash Flow Less CapEx to Interest Expense		 3.48 3.50 3.98 3.16 1.65 2.36 6.94 11.65 1.08 0.60 0.51
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 4.23 4.52 4.89 5.12 5.03 4.95 5.29 6.08 5.71 5.07 5.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 605 642 701 652 687 783 846 723 734 761 807
Invested Capital Turnover		 0.27 0.26 0.26 0.26 0.26 0.23 0.22 0.25 0.26 0.23 0.24
Increase / (Decrease) in Invested Capital		 22 38 59 -50 35 96 63 -123 12 27 46
Enterprise Value (EV)		 -109 125 309 184 381 -342 -1,624 115 68 69 162
Market Capitalization		 418 622 679 525 689 550 570 643 557 626 772
Book Value per Share		 $4.34 $4.52 $4.77 $5.07 $5.55 $5.89 $33.19 $31.49 $33.92 $35.58 $0.00
Tangible Book Value per Share		 $4.34 $4.52 $4.77 $5.07 $5.55 $5.89 $33.19 $31.49 $33.92 $35.58 $0.00
Total Capital		 605 642 701 652 687 783 883 723 734 761 807
Total Debt		 191 209 243 162 149 215 245 123 89 85 120
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -527 -498 -370 -342 -308 -892 -2,194 -528 -489 -557 -610
Capital Expenditures (CapEx)		 3.63 1.38 3.55 3.65 3.88 3.83 2.83 3.32 5.67 4.17 12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 191 209 243 162 149 215 208 123 89 85 120
Total Depreciation and Amortization (D&A)		 10 -0.95 8.14 7.26 6.93 14 8.17 13 13 5.68 12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.22 $2.23 $2.25 $3.19 $2.99 $2.72 $3.19 $3.93 $3.08 $2.57 $3.26
Adjusted Weighted Average Basic Shares Outstanding		 19.07M 19.17M 19.27M 19.35M 19.36M 19.29M 19.22M 19.02M 19.02M 19.02M 0.00
Adjusted Diluted Earnings per Share		 $2.22 $2.23 $2.24 $3.18 $2.99 $2.72 $3.19 $3.93 $3.08 $2.57 $3.25
Adjusted Weighted Average Diluted Shares Outstanding		 19.07M 19.17M 19.27M 19.35M 19.36M 19.29M 19.22M 19.02M 19.02M 19.02M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.99 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.07M 19.17M 19.27M 19.35M 19.36M 19.29M 19.22M 19.02M 19.02M 19.02M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 42 43 43 61 58 52 62 75 59 49 61
Normalized NOPAT Margin		 26.23% 25.81% 24.98% 34.37% 33.17% 30.72% 34.49% 37.73% 30.84% 28.43% 32.53%
Pre Tax Income Margin		 41.46% 41.37% 44.43% 44.56% 43.87% 40.67% 46.05% 49.86% 40.81% 37.29% 43.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.12 4.46 5.26 3.94 2.11 2.81 10.84 15.37 1.43 0.70 0.89
NOPAT to Interest Expense		 2.61 2.78 2.96 3.04 1.59 2.12 8.12 11.63 1.08 0.53 0.68
EBIT Less CapEx to Interest Expense		 3.90 4.37 5.02 3.76 2.00 2.66 10.47 14.86 1.32 0.66 0.76
NOPAT Less CapEx to Interest Expense		 2.38 2.69 2.71 2.86 1.49 1.97 7.75 11.12 0.97 0.49 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 59.07% 58.83% 58.40% 41.61% 45.62% 50.20% 42.72% 35.88% 46.70% 56.13% 45.18%
Augmented Payout Ratio		 59.42% 60.48% 69.08% 42.78% 45.68% 56.86% 46.60% 45.19% 46.70% 56.89% 107.55%

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 19,019,749.00 19,019,749.00 18,851,014.00 18,851,014.00 18,851,014.00
DEI Adjusted Shares Outstanding		 - - - - - - 19,019,749.00 19,019,749.00 18,851,014.00 18,851,014.00 18,851,014.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.75 0.79 0.86 0.83 0.86
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.32% -20.16% -19.78% -10.71% -6.82% 0.53% 9.48% 7.27% 9.65% 11.21% 9.27%
EBITDA Growth		 -22.69% -47.27% -30.94% -20.42% -33.24% 1.29% 5.89% 51.38% 5.14% 112.92% 13.35%
EBIT Growth		 -25.26% -53.10% -32.71% -24.48% -12.13% 14.31% 17.59% 19.69% 26.12% 42.78% 15.49%
NOPAT Growth		 -24.19% -52.90% -31.67% -23.34% -12.30% 14.55% 17.72% 19.82% 26.28% 37.98% 14.08%
Net Income Growth		 -24.19% -52.90% -31.67% -23.34% -12.30% 14.55% 17.72% 19.82% 26.28% 37.98% 14.08%
EPS Growth		 -23.76% -52.73% -31.18% -23.26% -11.69% 13.46% 17.19% 19.70% 26.47% 44.07% 21.33%
Operating Cash Flow Growth		 -48.01% -21.89% -47.31% 19.48% 38.95% -19.52% -87.07% 44.52% -22.36% 14.86% 823.13%
Free Cash Flow Firm Growth		 -98.71% -101.21% -84.04% -87.82% -1,399.62% -794.71% -169.73% -641.29% 36.61% -92.41% 120.57%
Invested Capital Growth		 1.83% 1.60% -0.73% 1.32% 4.60% 3.66% 3.57% 4.07% 3.85% 5.98% 1.79%
Revenue Q/Q Growth		 -3.81% -7.94% -3.85% 4.87% 0.38% -0.67% 4.70% 2.76% 2.60% 0.75% 2.87%
EBITDA Q/Q Growth		 -15.85% -27.78% -17.53% 21.75% -29.40% 9.57% 23.15% 21.51% -0.20% -0.90% 2.09%
EBIT Q/Q Growth		 -11.86% -32.93% 23.40% 3.53% 2.56% -12.76% 26.94% 5.38% 8.07% -1.22% 2.67%
NOPAT Q/Q Growth		 -10.33% -32.92% 23.13% 3.50% 2.58% -12.38% 26.54% 5.35% 8.11% -4.26% 4.63%
Net Income Q/Q Growth		 -10.33% -32.92% 23.13% 3.50% 2.58% -12.38% 26.54% 5.35% 8.11% -4.26% 4.63%
EPS Q/Q Growth		 -10.47% -32.47% 23.08% 3.13% 3.03% -13.24% 27.12% 5.33% 8.86% -1.16% 7.06%
Operating Cash Flow Q/Q Growth		 -24.26% 50.14% -44.45% 89.16% -11.92% -13.03% -91.07% 2,013.44% -52.68% 28.66% -28.26%
Free Cash Flow Firm Q/Q Growth		 -93.16% -209.99% 1,109.08% -83.96% -829.85% 24.28% 21.35% -24.53% 14.53% -129.83% 108.41%
Invested Capital Q/Q Growth		 -1.10% 1.00% 1.27% 0.18% 2.09% 0.09% 1.18% 0.66% 1.88% 2.14% -2.83%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.73% 37.44% 41.88% 48.63% 34.20% 37.72% 44.37% 52.47% 51.04% 50.21% 49.83%
EBIT Margin		 41.10% 29.94% 38.43% 37.94% 38.76% 34.05% 41.28% 42.33% 44.59% 43.71% 43.63%
Profit (Net Income) Margin		 31.37% 22.86% 29.28% 28.89% 29.53% 26.05% 31.48% 32.27% 34.01% 32.32% 32.87%
Tax Burden Percent		 76.32% 76.34% 76.18% 76.16% 76.17% 76.50% 76.26% 76.24% 76.27% 73.93% 75.33%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.68% 23.66% 23.82% 23.84% 23.83% 23.50% 23.74% 23.76% 23.73% 26.07% 24.67%
Return on Invested Capital (ROIC)		 8.75% 5.97% 7.06% 6.82% 6.81% 5.98% 7.31% 7.60% 8.03% 7.75% 8.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.75% 5.97% 7.06% 6.82% 6.81% 5.98% 7.31% 7.60% 8.03% 7.75% 8.13%
Return on Net Nonoperating Assets (RNNOA)		 1.65% 1.01% 1.28% 1.09% 1.02% 0.79% 0.97% 0.97% 1.12% 1.16% 1.17%
Return on Equity (ROE)		 10.40% 6.98% 8.34% 7.91% 7.84% 6.77% 8.27% 8.56% 9.15% 8.91% 9.29%
Cash Return on Invested Capital (CROIC)		 7.86% 6.46% 7.83% 5.33% 1.88% 2.94% 3.23% 3.05% 3.56% 1.99% 6.36%
Operating Return on Assets (OROA)		 1.36% 0.94% 1.13% 1.09% 1.09% 0.94% 1.16% 1.22% 1.31% 1.30% 1.30%
Return on Assets (ROA)		 1.04% 0.71% 0.86% 0.83% 0.83% 0.72% 0.88% 0.93% 1.00% 0.96% 0.98%
Return on Common Equity (ROCE)		 10.40% 6.98% 8.34% 7.91% 7.84% 6.77% 8.27% 8.56% 9.15% 8.91% 9.29%
Return on Equity Simple (ROE_SIMPLE)		 11.17% 0.00% 8.17% 7.51% 7.09% 0.00% 7.41% 7.72% 8.22% 0.00% 9.41%
Net Operating Profit after Tax (NOPAT)		 15 9.85 12 13 13 11 14 15 16 16 16
NOPAT Margin		 31.37% 22.86% 29.28% 28.89% 29.53% 26.05% 31.48% 32.27% 34.01% 32.32% 32.87%
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% 0.00%
SG&A Expenses to Revenue		 41.16% 43.85% 43.90% 44.55% 42.43% 45.31% 41.35% 39.95% 40.63% 40.86% 38.70%
Operating Expenses to Revenue		 58.68% 66.92% 60.12% 60.91% 60.09% 65.03% 58.06% 56.27% 54.89% 55.46% 54.46%
Earnings before Interest and Taxes (EBIT)		 19 13 16 16 17 15 19 20 21 21 22
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 16 17 21 15 16 20 24 24 24 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 0.86 0.81 0.84 0.94 0.93 0.84 0.92 0.99 1.13 0.00
Price to Tangible Book Value (P/TBV)		 0.79 0.86 0.81 0.84 0.94 0.93 0.84 0.92 0.99 1.13 0.00
Price to Revenue (P/Rev)		 2.46 2.93 2.94 3.13 3.66 3.64 3.30 3.55 3.74 4.11 0.00
Price to Earnings (P/E)		 7.08 9.50 9.97 11.12 13.26 12.82 11.37 11.89 12.04 12.63 0.00
Dividend Yield		 5.55% 4.92% 5.18% 5.01% 4.35% 4.37% 4.72% 4.31% 4.02% 3.61% 3.43%
Earnings Yield		 14.12% 10.53% 10.03% 8.99% 7.54% 7.80% 8.79% 8.41% 8.31% 7.92% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.12 0.09 0.02 0.14 0.26 0.09 0.00 0.01 0.11 0.20 0.00
Enterprise Value to Revenue (EV/Rev)		 0.45 0.36 0.07 0.58 1.15 0.40 0.00 0.02 0.47 0.86 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.86 0.76 0.16 1.31 2.84 0.99 0.00 0.06 1.08 1.74 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.97 0.88 0.19 1.56 3.17 1.08 0.00 0.06 1.16 2.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 1.28 1.16 0.25 2.05 4.16 1.41 0.00 0.08 1.52 2.65 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.30 1.06 0.24 1.73 3.13 1.16 0.00 0.07 1.56 2.81 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.58 1.45 0.23 2.56 14.12 3.14 0.00 0.19 3.14 10.37 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.17 0.14 0.15 0.14 0.14 0.13 0.12 0.12 0.14 0.17 0.17
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 0.00
Financial Leverage		 0.19 0.17 0.18 0.16 0.15 0.13 0.13 0.13 0.14 0.15 0.14
Leverage Ratio		 10.00 9.77 9.67 9.54 9.41 9.39 9.36 9.24 9.15 9.30 9.45
Compound Leverage Factor		 10.00 9.77 9.67 9.54 9.41 9.39 9.36 9.24 9.15 9.30 9.45
Debt to Total Capital		 14.18% 12.12% 12.69% 12.04% 12.03% 11.14% 10.68% 10.63% 12.38% 14.88% 14.41%
Short-Term Debt to Total Capital		 14.18% 12.12% 12.69% 12.04% 12.03% 11.14% 10.68% 10.63% 12.38% 14.88% 14.41%
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% 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% 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% 0.00%
Common Equity to Total Capital		 85.82% 87.88% 87.31% 87.96% 87.97% 88.86% 89.32% 89.37% 87.62% 85.12% 85.59%
Debt to EBITDA		 0.99 0.99 1.15 1.17 1.32 1.22 1.16 1.04 1.22 1.29 1.18
Net Debt to EBITDA		 -3.86 -5.43 -6.26 -5.80 -6.21 -7.99 -9.51 -7.98 -7.44 -6.55 -6.82
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 0.00
Debt to NOPAT		 1.48 1.52 1.78 1.82 1.93 1.74 1.61 1.54 1.72 1.96 1.79
Net Debt to NOPAT		 -5.80 -8.34 -9.72 -9.07 -9.10 -11.41 -13.22 -11.81 -10.52 -9.98 -10.38
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 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1.58 -1.74 18 2.82 -21 -16 -12 -15 -13 -30 2.52
Operating Cash Flow to CapEx		 1,455.95% 587.02% 1,975.25% 1,686.40% 1,844.30% 845.96% 28.16% 1,276.04% 454.74% 690.57% 722.25%
Free Cash Flow to Firm to Interest Expense		 0.10 -0.09 0.76 0.12 -0.92 -0.68 -0.55 -0.67 -0.57 -1.34 0.12
Operating Cash Flow to Interest Expense		 0.77 0.89 0.43 0.82 0.74 0.62 0.06 1.19 0.56 0.74 0.55
Operating Cash Flow Less CapEx to Interest Expense		 0.72 0.74 0.41 0.77 0.70 0.55 -0.15 1.10 0.44 0.63 0.47
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 6.28 5.71 5.48 5.31 5.24 5.07 4.98 5.00 5.01 5.05 4.91
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 727 734 744 745 760 761 770 775 790 807 784
Invested Capital Turnover		 0.28 0.26 0.24 0.24 0.23 0.23 0.23 0.24 0.24 0.24 0.25
Increase / (Decrease) in Invested Capital		 13 12 -5.43 9.73 33 27 27 30 29 46 14
Enterprise Value (EV)		 90 68 13 101 197 69 -94 4.42 86 162 0.00
Market Capitalization		 494 557 529 547 629 626 580 636 684 772 0.00
Book Value per Share		 $32.80 $33.92 $34.12 $34.44 $35.19 $35.58 $36.16 $36.43 $36.71 $0.00 $38.39
Tangible Book Value per Share		 $32.80 $33.92 $34.12 $34.44 $35.19 $35.58 $36.16 $36.43 $36.71 $0.00 $38.39
Total Capital		 727 734 744 745 760 761 770 775 790 807 784
Total Debt		 103 89 94 90 91 85 82 82 98 120 113
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -404 -489 -515 -446 -432 -557 -674 -631 -598 -610 -655
Capital Expenditures (CapEx)		 0.82 3.04 0.50 1.11 0.89 1.70 4.55 2.12 2.82 2.39 1.64
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 103 89 94 90 91 85 82 82 98 120 113
Total Depreciation and Amortization (D&A)		 3.10 3.23 1.43 4.64 -1.99 1.59 1.40 4.73 3.09 3.13 3.07
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.77 $0.52 $0.64 $0.66 $0.68 $0.59 $0.75 $0.79 $0.87 $0.85 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 0.00 0.00 17.47M
Adjusted Diluted Earnings per Share		 $0.77 $0.52 $0.64 $0.66 $0.68 $0.59 $0.75 $0.79 $0.86 $0.85 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 0.00 0.00 17.47M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.02M 19.02M 19.02M 19.01M 19.01M 19.02M 19.02M 18.85M 0.00 0.00 17.47M
Normalized Net Operating Profit after Tax (NOPAT)		 15 9.85 12 13 13 11 14 15 16 16 16
Normalized NOPAT Margin		 31.37% 22.86% 29.28% 28.89% 29.53% 26.05% 31.48% 32.27% 34.01% 32.32% 32.87%
Pre Tax Income Margin		 41.10% 29.94% 38.43% 37.94% 38.76% 34.05% 41.28% 42.33% 44.59% 43.71% 43.63%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.25 0.64 0.69 0.72 0.75 0.64 0.83 0.87 0.93 0.94 1.00
NOPAT to Interest Expense		 0.96 0.49 0.52 0.55 0.57 0.49 0.64 0.66 0.71 0.70 0.76
EBIT Less CapEx to Interest Expense		 1.20 0.49 0.67 0.67 0.71 0.57 0.63 0.77 0.81 0.84 0.93
NOPAT Less CapEx to Interest Expense		 0.90 0.34 0.50 0.50 0.53 0.42 0.43 0.57 0.59 0.59 0.68
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.24% 46.70% 51.63% 55.73% 57.86% 56.13% 53.76% 51.25% 48.14% 45.18% 43.60%
Augmented Payout Ratio		 41.43% 46.70% 51.63% 56.49% 58.65% 56.89% 53.76% 61.23% 77.81% 107.55% 141.84%

Financials Breakdown Chart

Key Financial Trends

TrustCo Bank Corp NY’s latest quarter shows solid profitability, strong liquidity, and a balance sheet that continues to expand, but deposit volatility and rising share repurchases are worth watching.

In Q1 2026, TrustCo reported net income of $16.3 million, up slightly from $15.6 million in Q4 2025 and above $14.3 million in Q1 2025. Revenue also improved year over year, with total revenue of $49.5 million versus $45.3 million a year earlier. The bank remains consistently profitable, and earnings per share were $0.91 in the latest quarter.

Operating cash flow was positive at $11.8 million in Q1 2026, though that was well below the unusually strong $27.1 million in Q2 2025. The balance sheet continues to grow, with total assets of $6.51 billion and net loans of $5.24 billion, both higher than a year ago. Equity also improved to $670.9 million, up from $687.8 million in Q1 2025 but down from the prior quarter.

One of the key positives is that TrustCo continues to generate meaningful net interest income. In Q1 2026, net interest income was $44.7 million, higher than $43.7 million in Q4 2025 and $40.4 million in Q1 2025. However, deposit trends were less stable, with deposits rising $94.9 million in Q1 2026 after declining in several earlier quarters. That suggests funding remains active, but not without fluctuations.

  • Net income increased year over year, rising to $16.3 million in Q1 2026 from $14.3 million in Q1 2025.
  • Total revenue improved to $49.5 million, reflecting better overall operating performance.
  • Net interest income remained strong at $44.7 million, supporting core banking profitability.
  • Operating cash flow stayed positive at $11.8 million, showing the bank continues to generate cash from its business.
  • Loan balances grew to $5.29 billion, up from $5.16 billion in Q2 2025 and $5.12 billion in Q1 2025.
  • Total assets expanded to $6.51 billion, indicating continued balance sheet growth.
  • Equity remained solid at $670.9 million, giving the bank a respectable capital base.
  • Credit loss provisioning stayed modest at $950,000, which may signal stable credit conditions, but it is still too early to call it a trend.
  • Investment activity remained significant, with heavy purchases and sales of securities, suggesting active balance sheet management.
  • Operating assets and liabilities changed unfavorably, with a $7.85 million drag on operating cash flow in Q1 2026.
  • Share repurchases were sizable at $23.9 million, which can support EPS but also uses capital that could otherwise bolster the balance sheet.
  • Deposits have been volatile, with recent quarterly swings that investors should monitor closely.

Looking at the broader multi-year trend, TrustCo has been a steady earnings generator with relatively consistent quarterly net income, usually in the low-to-mid teens of millions. That said, profitability has not shown dramatic growth, so this looks more like a stable community bank than a fast-growing one. The main investor question is whether it can keep growing loans and revenue while maintaining deposit stability and avoiding margin pressure.

Overall, TrustCo’s latest results look fundamentally stable with decent profitability and a manageable credit profile. The biggest risks are funding swings, slower operating cash generation versus some recent periods, and the impact of continued capital returns on the balance sheet.

07/19/26 03:45 PM ETAI Generated. May Contain Errors.

TrustCo Bank Corp NY Financials - Frequently Asked Questions

According to the most recent income statement we have on file, TrustCo Bank Corp NY's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

TrustCo Bank Corp NY's net income appears to be on an upward trend, with a most recent value of $61.14 million in 2025, rising from $42.24 million in 2015. The previous period was $48.83 million in 2024. Check out TrustCo Bank Corp NY's forecast to explore projected trends and price targets.

Over the last 10 years, TrustCo Bank Corp NY's total revenue changed from $161.02 million in 2015 to $187.92 million in 2025, a change of 16.7%.

TrustCo Bank Corp NY's total liabilities were at $5.75 billion at the end of 2025, a 3.4% increase from 2024, and a 33.1% increase since 2015.

In the past 10 years, TrustCo Bank Corp NY's cash and equivalents has ranged from $41.70 million in 2015 to $1.27 billion in 2021, and is currently $50.57 million as of their latest financial filing in 2025.

Over the last 10 years, TrustCo Bank Corp NY's book value per share changed from 4.34 in 2015 to 0.00 in 2025, a change of -100.0%.


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Financial statements for NASDAQ:TRST last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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