Trustco Bank Corp N Y
TRST Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$56.40
KIRA · Stoqly’s AI analyst, in plain words
- Trustco Bank Corp N Y had $188M of revenue in fiscal 2025, up 9.4% on the year before. Over five years, revenue changed +1.9% a year on average.
- Trustco Bank Corp N Y made $61.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 24.7% a year.
- Trustco Bank Corp N Y returned $65.8M to shareholders in fiscal 2025, 144% of free cash flow. The diluted share count fell 1.3%.
- It earned 9.0% on shareholders’ money. Running costs took 56.1% of revenue (the efficiency ratio; lower is better).
Market cap
$981M
P/E
15.7x
Revenue
$188M
Net income
$61.1M
Return on equity
9.0%
Efficiency ratio
56.1%
Trustco Bank Corp N Y in 30 seconds · fiscal 2025
Are sales growing?
+9.4%
Yes. Sales grew 9.4% last year.
Does it make a profit?
32.5%
Yes. It keeps 32.5% of every sale as profit.
How lean are its costs?
56.1%
Average. Running costs take 56.1% of revenue.
How much does it earn on its capital?
9.0%
Fair. It earns 9.0% a year on shareholders’ money.
How is the share priced?
15.7x
One share costs 15.7 times its yearly profit per share.
What Trustco Bank Corp N Y does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- TRUSTCO BANK CORP N Y
- CIK
- 0000357301
Trustco Bank Corp N Y · TRST
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $178M | $199M | $190M | $172M | $188M |
| Revenue growth | 4.4% | 11.8% | −4.6% | −9.7% | 9.4% |
| Net interest income | $160M | $180M | $172M | $152M | $169M |
| Net income | $61.5M | $75.2M | $58.6M | $48.8M | $61.1M |
| Net margin | 34.5% | 37.7% | 30.8% | 28.4% | 32.5% |
| Diluted EPS | $3.19 | $3.93 | $3.08 | $2.57 | $3.25 |
| Cash | |||||
| Cash from operations | $55.4M | $78.6M | $64.1M | $59.4M | $57.6M |
| Capital expenditure | $2.8M | $3.8M | $5.7M | $4.9M | $11.9M |
| Free cash flow | $52.5M | $74.8M | $58.5M | $54.6M | $45.7M |
| FCF margin | 29.5% | 37.5% | 30.7% | 31.8% | 24.3% |
| Dividends paid | $26.3M | $27.0M | $27.4M | $27.4M | $27.6M |
| Share buybacks | $2.4M | $7.0M | $0.0M | $0.4M | $38.1M |
| Share count change | −0.2% | −0.7% | −0.6% | 0.1% | −1.3% |
| Debt and strength | |||||
| Cash and short-term investments | $1.2B | $651M | $578M | $642M | $730M |
| Debt incl. finance leases | $245M | $123M | $89.0M | $84.8M | $120M |
| Loans, net | $4.4B | $4.7B | — | — | — |
| Deposits | $5.3B | $5.2B | $5.4B | $5.4B | $5.6B |
| Shareholders' equity | $601M | $600M | $645M | $676M | $687M |
| Returns and quality | |||||
| Return on equity | 10.5% | 12.5% | 9.4% | 7.4% | 9.0% |
| Return on tangible equity | 10.2% | 12.5% | 9.1% | 7.2% | 8.9% |
| Efficiency ratio | 57.0% | 50.3% | 58.5% | 61.6% | 56.1% |
| Piotroski F-score | 4 | 7 | 5 | 4 | 5 |
Insiders bought, 12 months
$0.1M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Trustco Bank Corp N Y · TRST
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $56.40 a share, the company is worth $981M: 15.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000357301). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.