TrustCo Bank Corp NY

TrustCo Bank Corp NY

TRST
TrustCo Bank Corp NYUS flagNASDAQ Global Select
54.45
USD
-0.09
- -
951.50MMarket Cap
TrustCo Bank Corp NY
TRST
(NASDAQ Global Select)

Recent

price

54.45

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.6
9.01
8.33
8.26
8.53
8.47
8.64
8.99
9.26
9
8.85
9.26
10.42
10
9.03
10.02
10.41
Revenue per Share
1.9
1.94
2
2.11
2.34
2.22
2.23
2.24
3.18
2.99
2.72
3.19
3.93
3.08
2.57
3.26
3.42
Basic EPS, GAAP
2.91
3.3
2.9
3.37
2.46
2.96
2.77
3.02
3.32
3.09
3.02
2.73
3.91
3.07
2.87
2.44
3.21
Free Cash Flow per Basic Share
1.26
1.25
1.31
1.31
1.31
1.31
1.31
1.31
1.32
1.36
1.36
1.36
1.41
1.44
1.44
1.47
1.49
Dividend per Share
12.45
12.83
12.35
13.08
14.04
14.88
15.74
16.62
18.47
20.05
17.31
19.17
21.63
23.4
24.53
26.67
27.62
Book Value per Share
16.56
19.9
19.16
19.21
20.79
21.73
22.64
23.84
25.38
27.79
29.44
31.21
31.36
33.92
35.56
36.61
36.36
Tangible Book Value per Share
15
17
19
19
19
19
19
19
19
19
19
19
19
19
19
19
18
Basic Weighted Avg Shares
148
153
156
156
161
161
165
173
179
174
171
178
199
190
172
188
192
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
5
5
5
5
5
5
4
4
4
10
10
11
11
11
11
11
12
Depreciation Expense
29
33
38
40
44
42
43
43
61
58
52
62
75
59
49
61
63
Net Income, GAAP
33.23
36.84
37.42
37.33
38.27
36.73
37.62
43.78
22.86
24.4
24.47
25.1
24.32
24.44
23.75
24.35
24.57
Effective Tax Rate (%)
19.81
21.59
24.07
25.6
27.39
26.23
25.81
24.98
34.37
33.17
30.72
34.49
37.73
30.84
28.43
32.53
32.87
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
57
53
53
49
44
40
36
36
LT Debt
255
339
359
362
393
413
433
458
490
538
568
601
600
645
676
687
671
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
15.67
16.13
16.69
16.67
17.26
15.4
14.6
13.91
18.18
15.53
14.52
17.5
19.22
13.65
10.71
12.65
12.84
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
98
- -
113
LT Borrowings
- -
- -
- -
LT Finance Leases
38
36
36
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19
18
18
Market Capitalization
687
775
808

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
294
293
269
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
98
- -
113
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.24%
3.9%
1.51%
Free Cash Flow
-0.72%
-2.44%
-16.17%
Net Income, GAAP
5.54%
5.2%
25.2%
Sales/Revenue/Turnover
1.75%
2.27%
9.4%
Total Cash Common Dividend
1.03%
0.97%
0.77%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
41
43
44
43
172
2025
45
47
48
48
188
2026
50
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.64
0.66
0.68
0.59
2.57
2025
0.75
0.79
0.87
0.85
3.26
2026
0.91
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.36
0.36
0.36
1.44
2025
0.36
0.36
0.36
0.39
1.47
2026
0.38
- -
- -
- -
- -
Business
TrustCo Bank Corp NY operates as a New York-based savings and loan holding company for Trustco Bank, providing community-oriented retail and commercial banking services to individuals, partnerships, corporations and local governments. The bank offers deposit products including checking accounts, savings accounts, money market accounts and certificates of deposit; lending solutions such as residential mortgages, home equity lines of credit and loans, commercial loans, construction loans and installment loans; and additional services encompassing wealth management, estate planning, trust administration, custodial services, online and mobile banking, IRA investment options, Credit Sense for credit monitoring and ClickSWITCH for account transfers. Founded in 1902 in Schenectady, New York, and headquartered in Glenville, New York, Trustco Bank maintains 136 community banking offices and 154 ATMs across New York, Florida, Massachusetts, New Jersey and Vermont, with a strategic emphasis on residential mortgage lending and relationship-based customer service. Recent developments include reporting strong Q2 2025 financial results with a 19.8% increase in net income, 2.3% growth in average loans and 18% year-over-year expansion in home equity credit lines alongside 11% growth in commercial loans; implementing a share repurchase program by acquiring 169,000 shares or 0.9% of outstanding common stock during Q2 2025 to optimize capital and return value to shareholders; and sustaining over 100 consecutive years of dividend payments while growing total assets to approximately $6.3 billion as of late 2024.

Company News

APIChatGPT
  • TrustCo Announces Declaration of Quarterly Dividend of $0.38 Per Share; Notes Strong Shareholder Support at 2026 Annual Meeting

  • TrustCo Bank Corp NY Q1 Earnings Call Highlights

  • TrustCo Bank Corp NY (TRST) Q1 2026 Earnings Call Transcript

  • TrustCo Bank Corp NY (NASDAQ:TRST) Share Price Crosses Above 200-Day Moving Average – Here’s What Happened

  • TrustCo to Release First Quarter 2026 Results on April 21, 2026; Conference Call on April 22, 2026

  • Trustpilot upgraded as new enterprise disclosures bolster medium-term confidence

  • Trustpilot shares fall as private equity backer cashes out £46m stake

  • Trustpilot surges as analysts flag margin upside and AI growth momentum

  • Trustpilot profits surge as AI search puts reviews platform in spotlight

  • Why Deutsche Bank thinks Trustpilot shares could more than double from here

  • Reviewing TrustCo Bank Corp NY (NASDAQ:TRST) and Union Bankshares (NASDAQ:UNB)

  • TrustCo Bank Corp NY $TRST Shares Sold by GSA Capital Partners LLP

  • Delivering Shareholder Value, TrustCo Declares Dividend; Quarterly Payment of $0.38 Per Share

  • TrustCo Bank: Mortgage Repricing And A Big Buyback Program

  • TrustCo Bank Corp NY (NASDAQ:TRST) Shares Cross Above 200 Day Moving Average – Time to Sell?

  • Looking for 50% plus return in 2026? Buy these 2 European stocks today

  • TrustCo Bank Corp NY (TRST) Q4 2025 Earnings Call Transcript

  • TrustCo Reports 2025 Net Income of $61.1 Million for the Year; Posts Total Shareholder Return Three Times That Of Peers

  • Trustpilot momentum builds as growth broadens and profits surprise

  • TrustCo to Release Fourth Quarter 2025 Results on January 21, 2026; Conference Call on January 22, 2026