TrustCo Bank Corp NY

TrustCo Bank Corp NY

TRST
TrustCo Bank Corp NYUS flagNASDAQ Global Select
55.09
USD
+1.41
- -
938.14MMarket Cap
TrustCo Bank Corp NY
TRST
(NASDAQ Global Select)

Recent

price

55.09

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
10.92
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
3.61
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
3.31
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
1.52
Dividend per Share
16.56
18.12
19.1
19.15
20.74
21.69
22.59
23.8
25.34
27.77
29.46
31.28
31.54
33.92
35.56
38.08
38.53
Book Value per Share
16.56
18.12
19.1
19.15
20.74
21.69
22.59
23.8
25.34
27.77
29.46
31.28
31.54
33.92
35.56
38.08
38.53
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
197
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
65
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
24.78
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
33.03
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
656
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.7
11.14
10.77
11.05
11.7
10.47
10.07
9.68
12.96
11.25
9.48
10.52
12.53
9.42
7.39
8.97
9.65
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
113
108
LT Borrowings
- -
- -
- -
LT Finance Leases
36
36
36
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
18
18
17
Market Capitalization
745
766
935

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
293
269
268
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
113
108
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
52
- -
- -
- -

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
0.98
- -
- -
- -

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
0.39
- -
- -
- -
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

  • TrustCo to Release Third Quarter 2026 Results on October 21, 2026; Conference Call on October 22, 2026

  • Northeast Bancorp (NASDAQ:NBN) versus TrustCo Bank Corp NY (NASDAQ:TRST) Head to Head Comparison

  • Trustpilot secures 'buy' rating from Citi as AI boosts value of reviews

  • TrustCo Bank Corp NY (NASDAQ:TRST) Reaches New 12-Month High – Should You Buy?

  • TrustCo Announces Addition of Patricia Fusco and Bryan L. Guentner to Board of Directors

  • Trustpilot Group H1 Earnings Call Highlights

  • TrustCo Increases Dividend 5.3%: Long-Term Commitment to Payouts Supported by Solid Earnings and Strong Capital Position More Great News For Our Shareholders

  • TrustCo Bank Corp NY (NASDAQ:TRST) Shares Cross Above Two Hundred Day Moving Average – Here’s Why

  • TrustCo Bank Corp NY (NASDAQ:TRST) and First Commonwealth Financial (NYSE:FCF) Head-To-Head Contrast

  • TrustCo Bank Corp NY Q2 Earnings Call Highlights

  • TrustCo Bank Corp NY (TRST) Q2 2026 Earnings Call Transcript

  • TrustCo Bank Corp NY Q2 Earnings Call Highlights

  • Trustpilot downgraded by UK broker after valuation surge

  • TrustCo to Release Second Quarter 2026 Results on July 21, 2026; Conference Call on July 22, 2026

  • 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