TRST
TrustCo Bank Corp NY
Price Chart
Latest Quote
$51.67
-1.12 (-2.12%)
Current Price
| Previous Close | $52.79 |
| Open | $52.97 |
| Day High | $53.53 |
| Day Low | $51.35 |
| Volume | 150,206 |
Stock Information
| Shares Outstanding | 17.47M |
| Total Debt | $148.85M |
| Cash Equivalents | $768.11M |
| Revenue | $189.87M |
| Net Income | $63.15M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $902.92M |
| P/E Ratio | 15.15 |
| EPS (TTM) | $3.41 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $303.24M |
| Sales | $189.87M |
| Income | $63.15M |
| Book/sh | $38.08 |
| Cash/sh | $43.96 |
| Employees | 740 |
Financial Ratios
| EPS Growth TTM | 14.10% |
Returns & Margins
| ROA | 0.98% |
| ROE | 9.29% |
| Operating Margin | 46.96% |
| Profit Margin | 33.26% |
Ownership
| Insider Ownership | 3.28% |
| Institutional Ownership | 79.63% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 18.00 |
| PEG | 0.63 |
| P/S | 4.76 |
| P/B | 1.36 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $52.04 |
| SMA50 | $49.06 |
| SMA200 | $42.78 |
| RSI | 52.82 |
| ATR | 1.3579 |
| Shares Float | 16.80M |
| Short Float | 4.84% |
| Short Ratio | 7.44 |
| Volatility | 0.65 |
| Rel Volume | 1.14 |
Performance History
| Week | -5.52% |
| Month | +5.55% |
| Quarter | +23.07% |
| 6 Months | +18.13% |
| YTD | +27.18% |
| Year | +72.72% |
| 3 Years | +94.35% |
| 5 Years | +77.36% |
| 10 Years | +141.16% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $51.67 | 152,400 |
| 2026-06-16 | $52.79 | 227,900 |
| 2026-06-15 | $53.05 | 166,100 |
| 2026-06-12 | $55.25 | 139,800 |
| 2026-06-11 | $54.89 | 149,600 |
| 2026-06-10 | $54.69 | 123,800 |
| 2026-06-09 | $53.92 | 134,700 |
| 2026-06-08 | $53.19 | 135,200 |
| 2026-06-05 | $52.53 | 133,500 |
| 2026-06-04 | $52.28 | 121,700 |
| 2026-06-03 | $50.42 | 141,300 |
| 2026-06-02 | $51.69 | 121,000 |
| 2026-06-01 | $50.60 | 179,500 |
| 2026-05-29 | $51.44 | 108,500 |
| 2026-05-28 | $50.99 | 102,300 |
| 2026-05-27 | $50.43 | 102,600 |
| 2026-05-26 | $51.00 | 114,300 |
| 2026-05-22 | $49.90 | 90,000 |
| 2026-05-21 | $50.08 | 113,100 |
| 2026-05-20 | $49.92 | 117,200 |
| 2026-05-19 | $48.95 | 74,700 |
| 2026-05-18 | $48.95 | 73,800 |
About TrustCo Bank Corp NY
TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, it operates as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.
đ° Latest News
Here's What We Like About TrustCo Bank Corp NY's (NASDAQ:TRST) Upcoming Dividend
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Trustco Bank Corp N Y (TRST) Q1 2026 Earnings Call Highlights: Strong Financial Performance ...
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $187,918,000 | $171,773,000 | $190,160,000 | $199,395,000 |
| Operating Revenue | $187,918,000 | $171,773,000 | $190,160,000 | $199,395,000 |
| Expenses | ||||
| Interest Expense | $90,443,000 | $91,377,000 | $54,361,000 | $6,467,000 |
| Selling And Marketing Expense | $1,584,000 | $1,803,000 | $1,878,000 | $2,046,000 |
| General And Administrative Expense | $53,250,000 | $52,265,000 | $55,542,000 | $49,063,000 |
| Professional Expense And Contract Services Expense | $6,266,000 | $6,675,000 | $6,245,000 | $5,577,000 |
| Other Non Interest Expense | $18,251,000 | $19,275,000 | $22,595,000 | $19,619,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Interest Income | $168,973,000 | $151,939,000 | $171,845,000 | $180,135,000 |
| Interest Income | $259,416,000 | $243,316,000 | $226,206,000 | $186,602,000 |
| Normalized Income | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Income From Continuing And Discontinued Operation | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Income Common Stockholders | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Income | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Income Including Noncontrolling Interests | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Net Income Continuous Operations | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Pretax Income | $80,814,000 | $64,046,000 | $77,613,000 | $99,417,000 |
| Per Share | ||||
| Diluted EPS | $3.25 | $2.57 | $3.08 | $3.93 |
| Basic EPS | $3.26 | $2.57 | $3.08 | $3.93 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $11,460,000 | $11,435,000 | $10,786,000 | $10,553,000 |
| Diluted Average Shares | $18,790,000 | $19,037,000 | $19,025,000 | $19,133,000 |
| Basic Average Shares | $18,752,000 | $19,018,000 | $19,024,000 | $19,131,000 |
| Diluted NI Availto Com Stockholders | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
| Tax Provision | $19,677,000 | $15,213,000 | $18,967,000 | $24,183,000 |
| Gain On Sale Of Security | $0 | $1,383,000 | $0 | $0 |
| Selling General And Administration | $54,834,000 | $54,068,000 | $57,420,000 | $51,109,000 |
| Insurance And Claims | $4,511,000 | $4,116,000 | $4,300,000 | $3,159,000 |
| Salaries And Wages | $48,739,000 | $48,149,000 | $51,242,000 | $45,904,000 |
| Occupancy And Equipment | $26,153,000 | $25,709,000 | $25,037,000 | $24,014,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $686,589,000 | $676,343,000 | $645,285,000 | $599,987,000 |
| Total Assets | $6,440,700,000 | $6,238,744,000 | $6,168,191,000 | $6,000,052,000 |
| Cash And Cash Equivalents | $50,569,000 | $47,364,000 | $49,274,000 | $43,429,000 |
| Cash Cash Equivalents And Federal Funds Sold | $730,427,000 | $641,812,000 | $578,004,000 | $650,599,000 |
| Debt | ||||
| Total Debt | $36,391,000 | $40,159,000 | $44,471,000 | $48,980,000 |
| Long Term Debt And Capital Lease Obligation | $36,391,000 | $40,159,000 | $44,471,000 | $48,980,000 |
| Net Debt | - | - | - | $79,271,000 |
| Current Debt And Capital Lease Obligation | - | - | - | $122,700,000 |
| Current Debt | - | - | - | $122,700,000 |
| Other Current Borrowings | - | - | - | $122,700,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,754,111,000 | $5,562,401,000 | $5,522,906,000 | $5,400,065,000 |
| Payables And Accrued Expenses | - | - | - | $35,575,000 |
| Equity | ||||
| Common Stock Equity | $686,589,000 | $676,343,000 | $645,285,000 | $599,987,000 |
| Total Equity Gross Minority Interest | $686,589,000 | $676,343,000 | $645,285,000 | $599,987,000 |
| Stockholders Equity | $686,589,000 | $676,343,000 | $645,285,000 | $599,987,000 |
| Gains Losses Not Affecting Retained Earnings | $270,357,000 | $255,013,000 | $243,944,000 | $229,884,000 |
| Other Equity Adjustments | $270,357,000 | $255,013,000 | $243,944,000 | $229,884,000 |
| Retained Earnings | $479,996,000 | $446,503,000 | $425,069,000 | $393,831,000 |
| Other | ||||
| Treasury Shares Number | $1,549,395 | $1,077,403 | $1,033,709 | $1,033,709 |
| Ordinary Shares Number | $18,029,107 | $19,019,749 | $19,024,433 | $19,024,433 |
| Share Issued | $19,578,502 | $20,097,152 | $20,058,142 | $20,058,142 |
| Tangible Book Value | $686,589,000 | $676,343,000 | $645,285,000 | $599,987,000 |
| Capital Lease Obligations | $36,391,000 | $40,159,000 | $44,471,000 | $48,980,000 |
| Treasury Stock | $83,883,000 | $45,270,000 | $43,786,000 | $43,786,000 |
| Capital Stock | $20,119,000 | $20,097,000 | $20,058,000 | $20,058,000 |
| Common Stock | $20,119,000 | $20,097,000 | $20,058,000 | $20,058,000 |
| Long Term Capital Lease Obligation | $36,391,000 | $40,159,000 | $44,471,000 | $48,980,000 |
| Investments And Advances | $314,757,000 | $363,550,000 | $458,747,000 | $489,220,000 |
| Held To Maturity Securities | $4,257,000 | $5,365,000 | $6,458,000 | $7,707,000 |
| Available For Sale Securities | $67,598,000 | $61,293,000 | - | - |
| Net PPE | $74,345,000 | $70,409,000 | $74,549,000 | $77,283,000 |
| Accumulated Depreciation | $-99,015,000 | $-106,479,000 | $-104,104,000 | $-101,310,000 |
| Gross PPE | $173,360,000 | $176,888,000 | $178,653,000 | $178,593,000 |
| Leases | $36,865,000 | $36,448,000 | $36,418,000 | $34,860,000 |
| Other Properties | $33,638,000 | $36,627,000 | $40,542,000 | $44,727,000 |
| Machinery Furniture Equipment | $56,547,000 | $64,059,000 | $62,902,000 | $60,320,000 |
| Buildings And Improvements | $43,454,000 | $37,103,000 | $36,347,000 | $36,260,000 |
| Land And Improvements | $2,856,000 | $2,651,000 | $2,444,000 | $2,426,000 |
| Other Short Term Investments | $242,902,000 | $358,185,000 | $452,289,000 | $481,513,000 |
| Additional Paid In Capital | - | $258,874,000 | $257,181,000 | $257,078,000 |
| Invested Capital | - | - | - | $722,687,000 |
| Current Accrued Expenses | - | - | - | $35,575,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $45,738,000 | $54,558,000 | $58,463,000 | $74,841,000 |
| Operating Activities | ||||
| Operating Cash Flow | $57,603,000 | $59,442,000 | $64,129,000 | $78,626,000 |
| Cash Flow From Continuing Operating Activities | $57,603,000 | $59,442,000 | $64,129,000 | $78,626,000 |
| Operating Gains Losses | $125,000 | $-1,527,000 | $101,000 | $-315,000 |
| Investing Activities | ||||
| Capital Expenditure | $-11,865,000 | $-4,884,000 | $-5,666,000 | $-3,785,000 |
| Investing Cash Flow | $-104,673,000 | $-3,750,000 | $-233,593,000 | $-416,626,000 |
| Cash Flow From Continuing Investing Activities | $-104,673,000 | $-3,750,000 | $-233,593,000 | $-416,626,000 |
| Net Other Investing Changes | $437,000 | $21,000 | $1,993,000 | $395,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-38,134,000 | $-374,000 | $0 | $-7,004,000 |
| Financing Cash Flow | $135,685,000 | $8,116,000 | $96,869,000 | $-230,871,000 |
| Cash Flow From Continuing Financing Activities | $135,685,000 | $8,116,000 | $96,869,000 | $-230,871,000 |
| Net Other Financing Charges | $-292,000 | $-193,000 | - | - |
| Cash Dividends Paid | $-27,620,000 | $-27,409,000 | $-27,388,000 | $-26,991,000 |
| Net Common Stock Issuance | $-38,134,000 | $-374,000 | $0 | $-7,004,000 |
| Issuance Of Capital Stock | - | - | - | - |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Interest Paid Supplemental Data | $90,614,000 | $91,173,000 | $51,351,000 | $6,028,000 |
| Income Tax Paid Supplemental Data | $19,078,000 | $9,152,000 | $19,064,000 | $19,459,000 |
| End Cash Position | $730,427,000 | $641,812,000 | $578,004,000 | $650,599,000 |
| Beginning Cash Position | $641,812,000 | $578,004,000 | $650,599,000 | $1,219,470,000 |
| Changes In Cash | $88,615,000 | $63,808,000 | $-72,595,000 | $-568,871,000 |
| Proceeds From Stock Option Exercised | $24,000 | $95,000 | $0 | $429,000 |
| Common Stock Payments | $-38,134,000 | $-374,000 | $0 | $-7,004,000 |
| Net Issuance Payments Of Debt | $35,273,000 | $-4,209,000 | $-33,710,000 | $-121,986,000 |
| Net Short Term Debt Issuance | $35,273,000 | $-4,209,000 | $-33,710,000 | $-121,986,000 |
| Net Investment Purchase And Sale | $60,958,000 | $98,389,000 | $40,032,000 | $-117,363,000 |
| Sale Of Investment | $157,071,000 | $141,162,000 | $59,710,000 | $86,153,000 |
| Purchase Of Investment | $-96,113,000 | $-42,773,000 | $-19,678,000 | $-203,516,000 |
| Net PPE Purchase And Sale | $-11,865,000 | $-4,171,000 | $-5,666,000 | $-3,315,000 |
| Sale Of PPE | $0 | $713,000 | $0 | $470,000 |
| Purchase Of PPE | $-11,865,000 | $-4,884,000 | $-5,666,000 | $-3,785,000 |
| Change In Working Capital | $-23,514,000 | $-5,417,000 | $-10,435,000 | $-12,831,000 |
| Change In Other Current Liabilities | $-7,424,000 | $-7,292,000 | $-6,996,000 | $-6,829,000 |
| Change In Other Current Assets | $-7,162,000 | $-6,341,000 | $-5,588,000 | $-8,432,000 |
| Change In Payables And Accrued Expense | $-4,420,000 | $1,376,000 | $4,420,000 | $-83,000 |
| Change In Accrued Expense | $-4,249,000 | $1,172,000 | $1,410,000 | $-522,000 |
| Change In Payable | $-171,000 | $204,000 | $3,010,000 | $439,000 |
| Change In Account Payable | $-171,000 | $204,000 | $3,010,000 | $439,000 |
| Change In Receivables | $-4,508,000 | $6,840,000 | $-2,271,000 | $2,513,000 |
| Changes In Account Receivables | $-635,000 | $489,000 | $-2,192,000 | $-2,393,000 |
| Other Non Cash Items | $-40,000 | $-75,000 | $-355,000 | $-122,000 |
| Stock Based Compensation | $1,270,000 | $720,000 | $103,000 | $0 |
| Asset Impairment Charge | $547,000 | $350,000 | $143,000 | $68,000 |
| Amortization Of Securities | $884,000 | $1,137,000 | $1,734,000 | $2,266,000 |
| Deferred Tax | $4,134,000 | $1,986,000 | $2,156,000 | $4,114,000 |
| Deferred Income Tax | $4,134,000 | $1,986,000 | $2,156,000 | $4,114,000 |
| Depreciation Amortization Depletion | $11,460,000 | $11,435,000 | $10,786,000 | $10,553,000 |
| Depreciation And Amortization | $11,460,000 | $11,435,000 | $10,786,000 | $10,553,000 |
| Depreciation | $11,460,000 | $11,435,000 | $10,786,000 | $10,553,000 |
| Gain Loss On Investment Securities | $0 | $-1,383,000 | $0 | $0 |
| Gain Loss On Sale Of PPE | $125,000 | $-144,000 | $101,000 | $-315,000 |
| Net Income From Continuing Operations | $61,137,000 | $48,833,000 | $58,646,000 | $75,234,000 |
Fetched: 2026-06-17