What is Trustco Bank Corp NY's earnings per share (EPS)?

Trustco Bank Corp NY (TRST) reported diluted earnings per share of $3.25 for fiscal year 2025. This represents a 26.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Trustco Bank Corp NY (TRST) Financials

TRST

Trailing 12 months to June 30, 2026

Revenue $197.0M +10.2% YoY

Net Income $65.1M +21.7% YoY

EPS (Diluted) $3.59 +27.3% YoY

Free Cash Flow $59.8M +21.4% YoY

Market Cap $995.3M as of Sep 12, 2026

Price / Sales 5.1x on $197.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.3x on $65.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $656.0M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TRST SEC filings page.

Trustco Bank Corp NY (TRST) reported $197.0M in revenue over the twelve months to Jun 30, 2026, up 10.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TRST FY2025 2026-09-05

TrustCo's earnings recovery is occurring alongside persistently elevated funding costs and largely unchanged balance-sheet leverage.

Interest expense reached $91.4M in FY2024 and remained $90.4M in FY2025, so funding costs stayed structurally heavier than in FY2023. Yet net margin recovered from 28.4% to 32.5%, indicating the earnings rebound came despite, rather than from reversal of, that cost burden.

Equity increased from $676.3M to $686.6M in FY2025. Debt-to-equity moved from 8.2x to 8.4x, so balance-sheet expansion did little to change the leverage profile.

Operating cash flow of $57.6M nearly matched net income of $61.1M, showing reported earnings were largely cash-backed. But free cash flow fell to $45.7M as capital expenditures rose to $11.9M, making reinvestment the main gap between profit and cash retained after investment.

Financial Health Signals

Financial Health Score 43/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Trustco Bank Corp NY's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Trustco Bank Corp NY earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Trustco Bank Corp NY scores 53/100 among other banks.

Growth

Trustco Bank Corp NY reported revenue of $187.9M in fiscal year 2025, against $171.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Trustco Bank Corp NY scores 16/100 among other banks.

Capital

Trustco Bank Corp NY funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $686.6M of equity against $6.4B of assets. Capital ranks banks on that cushion, and Trustco Bank Corp NY scores 38/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Trustco Bank Corp NY scores 71/100 on it among other banks.

Credit Quality

Not available for Trustco Bank Corp NY, and counted as zero in the overall score.

Stability

Trustco Bank Corp NY reported net income of $61.1M in fiscal year 2025, against $48.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Trustco Bank Corp NY scores 78/100 among other banks.

Piotroski F-Score Partial

5/6

Trustco Bank Corp NY passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Trustco Bank Corp NY generates $0.94 in operating cash flow ($57.6M OCF vs $61.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$51.5M

YoY+10.5%

QoQ+3.9%

5Y CAGR+2.8%

10Y CAGR+2.2%

Trustco Bank Corp NY generated $51.5M in revenue in Q2 2026. This represents an increase of 10.5% from the same quarter a year earlier. Against the prior quarter it is up 3.9%.

Net Income

$17.0M

YoY+12.8%

QoQ+4.2%

5Y CAGR+3.3%

10Y CAGR+5.0%

Trustco Bank Corp NY reported $17.0M in net income in Q2 2026. This represents an increase of 12.8% from the same quarter a year earlier. Against the prior quarter it is up 4.2%.

EPS (Diluted)

$0.98

YoY+24.1%

QoQ+7.7%

5Y CAGR+5.6%

10Y CAGR+24.6%

Trustco Bank Corp NY earned $0.98 per diluted share (EPS) in Q2 2026. This represents an increase of 24.1% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$25.5M

YoY+2.3%

QoQ+150.5%

5Y CAGR+6.9%

10Y CAGR+9.0%

Trustco Bank Corp NY generated $25.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 2.3% from the same quarter a year earlier. Against the prior quarter it is up 150.5%.

Cash & Debt

$696.6M

YoY-2.4%

QoQ-9.3%

5Y CAGR-10.0%

10Y CAGR-0.8%

Trustco Bank Corp NY held $696.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.38

YoY+5.6%

QoQ0.0%

Trustco Bank Corp NY paid $0.38 per share in dividends in Q2 2026. This represents an increase of 5.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

17M

YoY-9.7%

QoQ-2.6%

5Y CAGR-2.4%

10Y CAGR-15.8%

Trustco Bank Corp NY had 17M shares outstanding in Q2 2026. This represents a decrease of 9.7% from the same quarter a year earlier. Against the prior quarter it is down 2.6%.

Margins & Returns

Net Margin

32.9%

YoY+0.7pp

QoQ+0.1pp

5Y change+0.7pp

10Y change+7.7pp

Trustco Bank Corp NY's net profit margin was 32.9% in Q2 2026, showing the share of revenue converted to profit. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Return on Equity

2.6%

YoY+0.4pp

QoQ+0.2pp

5Y change+0.1pp

10Y change+0.2pp

Trustco Bank Corp NY's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$24.6M

YoY+360.7%

QoQ+2.8%

Trustco Bank Corp NY spent $24.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 360.7% from the same quarter a year earlier. Against the prior quarter it is up 2.8%.

Capital Expenditures

$2.5M

YoY+17.5%

QoQ+52.2%

5Y CAGR+27.0%

10Y CAGR+19.5%

Trustco Bank Corp NY invested $2.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 17.5% from the same quarter a year earlier. Against the prior quarter it is up 52.2%.

R&D Spending

Not reported for Q2 2026.

TRST Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TRST quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$197.0M	$187.9M+9.4%	$171.8M-9.7%	$190.2M-4.6%	$199.4M+11.8%	$178.3M+4.4%	$170.8M-2.1%	$174.4M-2.4%	$178.8M+3.5%	$172.7M+4.6%	$165.1M+2.5%	$161.0M-0.2%	$161.4M+3.7%	$155.5M-0.3%	$156.0M+1.7%	$153.3M
SG&A Expenses	$50.2M	$48.7M+1.2%	$48.1M-6.0%	$51.2M+11.6%	$45.9M-5.8%	$48.7M+6.7%	$45.6M-2.1%	$46.6M+10.7%	$42.1M+3.5%	$40.7M+11.4%	$36.5M+12.3%	$32.5M-1.1%	$32.9M+1.4%	$32.4M+3.7%	$31.3M+8.8%	$28.8M
Interest Expense	$88.9M	$90.4M-1.0%	$91.4M+68.1%	$54.4M+740.6%	$6.5M-14.6%	$7.6M-69.3%	$24.7M-32.0%	$36.3M+79.6%	$20.2M+38.6%	$14.6M-4.7%	$15.3M-5.5%	$16.2M+4.6%	$15.5M+1.3%	$15.3M-23.5%	$20.0M-23.9%	$26.2M
Income Tax	$21.4M	$19.7M+29.3%	$15.2M-19.8%	$19.0M-21.6%	$24.2M+17.3%	$20.6M+21.3%	$17.0M-9.0%	$18.7M+2.5%	$18.2M-45.8%	$33.6M+30.8%	$25.7M+4.8%	$24.5M-10.5%	$27.4M+15.5%	$23.7M+5.7%	$22.4M+16.3%	$19.3M
Net Income	$65.1M	$61.1M+25.2%	$48.8M-16.7%	$58.6M-22.0%	$75.2M+22.3%	$61.5M+17.3%	$52.5M-9.3%	$57.8M-5.9%	$61.4M+42.4%	$43.1M+1.3%	$42.6M+0.9%	$42.2M-4.4%	$44.2M+11.0%	$39.8M+6.1%	$37.5M+13.4%	$33.1M
EPS (Basic)	N/A	$3.26+26.8%	$2.57-16.6%	$3.08-21.6%	$3.93+23.2%	$3.19+17.3%	$2.72-8.9%	$2.99+368.8%	$0.64+41.9%	$0.45+0.7%	$0.45+0.5%	$0.44-4.9%	$0.47+10.7%	$0.42+5.5%	$0.40+2.8%	$0.39
EPS (Diluted)	$3.59	$3.25+26.5%	$2.57-16.6%	$3.08-21.6%	$3.93+23.2%	$3.19	$2.72-8.8%	$2.98	$0.64+42.0%	$0.45+0.7%	$0.45+0.2%	$0.44-4.7%	$0.47+10.4%	$0.42+5.5%	$0.40+2.8%	$0.39
Diluted Shares (Avg)	N/A	19M-1.3%	19M+0.1%	19M-0.6%	19M-0.7%	19M	19M-0.4%	19M	97M+0.4%	96M+0.6%	96M+0.5%	95M+0.5%	95M+0.6%	94M+0.6%	94M+10.1%	85M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$51.5M+10.5%	$49.5M+9.3%	$48.2M+11.2%	$47.8M+9.6%	$46.6M+7.3%	$45.3M+9.5%	$43.3M+0.5%	$43.6M-6.8%
SG&A Expenses	$13.0M+9.9%	$12.2M+2.7%	$12.2M+1.4%	$12.7M+4.9%	$11.9M-5.1%	$11.9M+4.1%	$12.1M-3.0%	$12.1M-2.1%
Interest Expense	$22.1M-2.7%	$21.5M-4.1%	$22.4M-2.8%	$22.9M+2.3%	$22.7M-0.3%	$22.4M-3.2%	$23.0M+14.8%	$22.4M+46.1%
Income Tax	$5.6M+18.5%	$5.3M+20.0%	$5.5M+58.4%	$5.1M+25.6%	$4.7M+19.3%	$4.4M+17.2%	$3.5M+13.5%	$4.0M-11.6%
Net Income	$17.0M+12.8%	$16.3M+14.1%	$15.6M+38.0%	$16.3M+26.3%	$15.0M+19.8%	$14.3M+17.7%	$11.3M+14.6%	$12.9M-12.3%
EPS (Basic)	$0.98+24.1%	$0.91+21.3%	$0.85+41.7%	$0.87+27.9%	$0.79+19.7%	$0.75+17.2%	$0.60+17.6%	$0.68-11.7%
EPS (Diluted)	$0.98+24.1%	$0.91+21.3%	$0.84+40.0%	$0.86+26.5%	$0.79+19.7%	$0.75+17.2%	$0.60+17.6%	$0.68-11.7%
Diluted Shares (Avg)	17M-8.5%	18M-6.1%	N/A	19M-1.2%	19M-0.2%	19M+0.1%	N/A	19M+0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TRST Balance Sheet

TRST quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.4B+3.2%	$6.2B+1.1%	$6.2B+2.8%	$6.0B-3.2%	$6.2B+5.0%	$5.9B+13.0%	$5.2B+5.3%	$5.0B+1.0%	$4.9B+0.8%	$4.9B+2.8%	$4.7B+1.9%	$4.6B+2.7%	$4.5B+4.0%	$4.3B+2.4%	$4.2B
Cash & Equivalents	$730.4M+13.8%	$641.8M+11.0%	$578.0M-11.2%	$650.6M-46.6%	$1.2B+10.2%	$1.1B+142.3%	$456.8M-9.3%	$503.7M-17.8%	$612.7M-13.4%	$707.3M-1.5%	$718.2M+7.0%	$671.4M+15.2%	$583.0M+7.2%	$544.0M+2.1%	$532.9M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$5.8B+3.4%	$5.6B+0.7%	$5.5B+2.3%	$5.4B-3.5%	$5.6B+4.9%	$5.3B+13.9%	$4.7B+4.8%	$4.5B+0.4%	$4.4B+0.3%	$4.4B+2.6%	$4.3B+1.7%	$4.3B+2.2%	$4.2B+4.3%	$4.0B+2.1%	$3.9B
Total Equity	$686.6M+1.5%	$676.3M+4.8%	$645.3M+7.5%	$600.0M-0.2%	$601.1M+5.8%	$568.2M+5.6%	$538.3M+9.9%	$489.9M+6.9%	$458.3M+5.9%	$432.7M+4.7%	$413.3M+5.0%	$393.4M+8.7%	$361.8M+0.8%	$358.8M+6.0%	$338.5M
Retained Earnings	$480.0M+7.5%	$446.5M+5.0%	$425.1M+7.9%	$393.8M+12.8%	$349.1M+11.2%	$314.0M+9.0%	$288.1M+12.4%	$256.4M+16.8%	$219.4M+8.9%	$201.5M+9.5%	$184.0M+10.4%	$166.7M+13.1%	$147.4M+11.4%	$132.4M+10.8%	$119.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.5B+2.8%	$6.5B+2.7%	$6.4B+3.2%	$6.3B+3.9%	$6.3B+4.0%	$6.3B+2.6%	$6.2B+1.1%	$6.1B+0.9%
Cash & Equivalents	$696.6M-2.4%	$768.1M+1.6%	$730.4M+13.8%	$695.6M+33.0%	$713.6M+33.1%	$756.1M+24.0%	$641.8M+11.0%	$523.0M+3.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$5.9B+3.8%	$5.8B+3.3%	$5.8B+3.4%	$5.7B+4.0%	$5.7B+3.7%	$5.7B+2.2%	$5.6B+0.7%	$5.4B+0.2%
Total Equity	$656.0M-5.3%	$670.9M-2.5%	$686.6M+1.5%	$692.0M+3.4%	$692.8M+5.7%	$687.8M+5.9%	$676.3M+4.8%	$669.0M+7.2%
Retained Earnings	$500.0M+8.2%	$489.5M+7.8%	$480.0M+7.5%	$471.3M+6.6%	$462.2M+6.0%	$453.9M+5.5%	$446.5M+5.0%	$442.1M+4.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TRST Cash Flow Statement

TRST quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$69.1M	$57.6M-3.1%	$59.4M-7.3%	$64.1M-18.4%	$78.6M+42.0%	$55.4M-10.9%	$62.2M-2.6%	$63.8M-5.7%	$67.6M+9.6%	$61.7M+12.4%	$54.9M-8.5%	$60.0M+9.1%	$55.0M-12.6%	$63.0M+7.4%	$58.6M-4.4%	$61.3M
Depreciation & Amortization	N/A	$4.8M+6.1%	$4.5M+10.4%	$4.1M+0.3%	$4.1M-2.8%	$4.2M+4.4%	$4.0M+2.2%	$4.0M-3.8%	$4.1M+7.7%	$3.8M-5.5%	$4.0M-11.3%	$4.6M-4.6%	$4.8M-4.8%	$5.0M-0.3%	$5.0M+4.1%	$4.8M
Stock-Based Compensation	N/A	$1.3M+76.4%	$720K+599.0%	$103K	$0	$0-100.0%	$15K+200.0%	$5K-97.1%	$173K+15.3%	$150K-33.0%	$224K+9.8%	$204K-37.2%	$325K-14.0%	$378K-6.7%	$405K+41.1%	$287K
Capital Expenditures	$9.3M	$11.9M+142.9%	$4.9M-13.8%	$5.7M+49.7%	$3.8M+33.3%	$2.8M-25.8%	$3.8M-1.6%	$3.9M+6.8%	$3.6M+0.9%	$3.6M+75.8%	$2.1M-45.1%	$3.7M-55.9%	$8.5M+33.2%	$6.4M+49.6%	$4.3M-18.2%	$5.2M
Free Cash Flow	$59.8M	$45.7M-16.2%	$54.6M-6.7%	$58.5M-21.9%	$74.8M+42.5%	$52.5M-9.9%	$58.3M-2.6%	$59.9M-6.4%	$64.0M+10.2%	$58.1M+9.9%	$52.8M-6.1%	$56.3M+21.0%	$46.5M-17.8%	$56.6M+4.1%	$54.4M-3.1%	$56.1M
Investing Cash Flow	-$194.3M	-$104.7M-2691.3%	-$3.8M+98.4%	-$233.6M+43.9%	-$416.6M-137.7%	-$175.3M-395.8%	-$35.3M+85.8%	-$248.8M-43.1%	-$173.8M-20.0%	-$144.9M+8.2%	-$157.8M-157.5%	-$61.3M	N/A	-$169.3M-59.2%	-$106.4M+53.1%	-$226.6M
Financing Cash Flow	$108.3M	$135.7M+1571.8%	$8.1M-91.6%	$96.9M+142.0%	-$230.9M-199.4%	$232.3M-62.7%	$623.4M+351.4%	$138.1M+4943.8%	-$2.9M+74.9%	-$11.3M-112.3%	$92.0M+91.8%	$48.0M	N/A	$145.4M+147.2%	$58.8M-76.8%	$254.0M
Dividends Paid	$27.4M	$27.6M+0.8%	$27.4M+0.1%	$27.4M+1.5%	$27.0M+2.7%	$26.3M-0.2%	$26.3M-0.2%	$26.4M+3.2%	$25.6M+1.5%	$25.2M+0.5%	$25.1M+0.5%	$24.9M+0.4%	$24.9M+0.5%	$24.7M+0.6%	$24.6M+15.3%	$21.3M
Share Buybacks	$81.3M	$38.1M+10096.3%	$374K	$0-100.0%	$7.0M+193.5%	$2.4M-31.7%	$3.5M+9880.0%	$35K-95.1%	$718K-84.4%	$4.6M+557.3%	$701K+376.9%	$147K-47.9%	$282K	$0	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$28.0M+3.5%	$11.8M+823.1%	$16.5M+14.9%	$12.8M-22.4%	$27.1M+44.5%	$1.3M-87.1%	$14.3M-19.5%	$16.5M+39.0%
Depreciation & Amortization	$1.3M+7.6%	$1.2M+8.6%	$1.3M-6.4%	$1.2M+16.5%	$1.2M+11.9%	$1.1M+5.9%	$1.4M+27.9%	$1.1M+2.0%
Stock-Based Compensation	N/A	$475K+54.2%	N/A	N/A	N/A	$308K+100.0%	N/A	N/A
Capital Expenditures	$2.5M+17.5%	$1.6M-64.0%	$2.4M+1.7%	$2.8M+203.0%	$2.1M+91.0%	$4.5M+807.2%	$2.3M-22.8%	$929K+14.0%
Free Cash Flow	$25.5M+2.3%	$10.2M+411.8%	$14.1M+17.4%	$10.0M-35.8%	$24.9M+41.6%	-$3.3M-134.8%	$12.0M-18.8%	$15.6M+40.8%
Investing Cash Flow	-$92.8M-81.4%	-$31.3M-287.2%	-$51.4M-493.9%	-$18.8M-60.2%	-$51.2M-2213.9%	$16.7M-11.4%	-$8.7M+79.6%	-$11.7M+82.3%
Financing Cash Flow	-$6.6M+64.0%	$57.1M-40.7%	$69.8M-38.3%	-$12.0M+32.8%	-$18.4M+79.5%	$96.3M+3191.2%	$113.2M+18.6%	-$17.9M+57.0%
Dividends Paid	$6.7M-1.5%	$6.8M-1.3%	$7.1M+3.7%	$6.8M-0.5%	$6.8M-0.1%	$6.8M0.0%	$6.9M-0.2%	$6.9M+0.1%
Share Buybacks	$24.6M+360.7%	$23.9M	$21.3M	$11.5M	$5.3M	$0	$0	$0

TRST Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TRST quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	32.5%+4.1pp	28.4%-2.4pp	30.8%-6.9pp	37.7%+3.2pp	34.5%+3.8pp	30.7%-2.5pp	33.2%-1.2pp	34.4%+9.4pp	25.0%-0.8pp	25.8%-0.4pp	26.2%-1.2pp	27.4%+1.8pp	25.6%+1.5pp	24.1%+2.5pp	21.6%
Return on Equity	8.9%+1.7pp	7.2%-1.9pp	9.1%-3.5pp	12.5%+2.3pp	10.2%+1.0pp	9.2%-1.5pp	10.8%-1.8pp	12.5%+3.1pp	9.4%-0.4pp	9.8%-0.4pp	10.2%-1.0pp	11.2%+0.2pp	11.0%+0.5pp	10.5%+0.7pp	9.8%
Return on Assets	0.9%+0.2pp	0.8%-0.2pp	0.9%-0.3pp	1.3%+0.3pp	1.0%+0.1pp	0.9%-0.2pp	1.1%-0.1pp	1.2%+0.4pp	0.9%0.0pp	0.9%0.0pp	0.9%-0.1pp	0.9%+0.1pp	0.9%0.0pp	0.9%+0.1pp	0.8%
Debt-to-Equity	8.38+0.2x	8.22-0.3x	8.56-0.4x	9.00-0.3x	9.31-0.1x	9.39+0.7x	8.70-0.4x	9.12-0.6x	9.71-0.5x	10.25-0.2x	10.46-0.3x	10.80-0.7x	11.50+0.4x	11.11-0.4x	11.54
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04
FCF Margin	24.3%-7.4pp	31.8%+1.0pp	30.7%-6.8pp	37.5%+8.1pp	29.4%-4.7pp	34.2%-0.2pp	34.4%-1.4pp	35.8%+2.2pp	33.6%+1.6pp	32.0%-2.9pp	34.9%+6.1pp	28.8%-7.6pp	36.4%+1.5pp	34.9%-1.7pp	36.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	32.9%+0.7pp	32.9%+1.4pp	32.3%+6.3pp	34.0%+4.5pp	32.3%+3.4pp	31.5%+2.2pp	26.1%+3.2pp	29.5%-1.8pp
Return on Equity	2.6%+0.4pp	2.4%+0.3pp	2.3%+0.6pp	2.4%+0.4pp	2.2%+0.3pp	2.1%+0.2pp	1.7%+0.1pp	1.9%-0.4pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.2%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	8.95+0.8x	8.70+0.5x	8.38+0.2x	8.170.0x	8.16-0.2x	8.22-0.3x	8.22-0.3x	8.13-0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	49.5%-4.0pp	20.5%+27.7pp	29.2%+1.5pp	20.9%-14.8pp	53.5%+13.0pp	-7.2%-29.9pp	27.7%-6.6pp	35.7%+12.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Trustco Bank Corp NY TRST	FY2025	$187.9M	$61.1M	32.5%	$995.3M	43/100
HBT Financial, Inc. HBT	FY2025	$237.1M	$77.0M	32.5%	$1.3B	55/100
Horizon Bancorp, Inc. HBNC	FY2025	$362.8M	-$150.5M	-41.5%	$1.0B	32/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.1B	65/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$998.6M	55/100
Capital City Bank Group Inc CCBG	FY2025	$254.0M	$61.6M	24.2%	$867.6M	53/100

Where Trustco Bank Corp NY Ranks

Frequently Asked Questions

What is Trustco Bank Corp NY's annual revenue?

Trustco Bank Corp NY (TRST) reported $187.9M in total revenue for fiscal year 2025. This represents a 9.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Trustco Bank Corp NY's revenue growing?

Trustco Bank Corp NY (TRST) revenue grew by 9.4% year-over-year, from $171.8M to $187.9M in fiscal year 2025.

Is Trustco Bank Corp NY profitable?

Yes, Trustco Bank Corp NY (TRST) reported a net income of $61.1M in fiscal year 2025, with a net profit margin of 32.5%.

What is Trustco Bank Corp NY's net profit margin?

Trustco Bank Corp NY (TRST) had a net profit margin of 32.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Trustco Bank Corp NY pay dividends?

Yes, Trustco Bank Corp NY (TRST) paid $1.48 per share in dividends during fiscal year 2025.

What is Trustco Bank Corp NY's return on equity (ROE)?

Trustco Bank Corp NY (TRST) has a return on equity of 8.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Trustco Bank Corp NY's free cash flow?

Trustco Bank Corp NY (TRST) generated $45.7M in free cash flow during fiscal year 2025. This represents a -16.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Trustco Bank Corp NY's operating cash flow?

Trustco Bank Corp NY (TRST) generated $57.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Trustco Bank Corp NY's total assets?

Trustco Bank Corp NY (TRST) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Trustco Bank Corp NY's capital expenditures?

Trustco Bank Corp NY (TRST) invested $11.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Trustco Bank Corp NY buy back shares?

Yes, Trustco Bank Corp NY (TRST) spent $38.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Trustco Bank Corp NY have outstanding?

Trustco Bank Corp NY (TRST) had 18M shares outstanding as of fiscal year 2025.

What is Trustco Bank Corp NY's debt-to-equity ratio?

Trustco Bank Corp NY (TRST) had a debt-to-equity ratio of 8.38 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Trustco Bank Corp NY's return on assets (ROA)?

Trustco Bank Corp NY (TRST) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Trustco Bank Corp NY's P/E ratio?

Trustco Bank Corp NY (TRST) trades at 15.3x earnings, its market capitalization divided by net income of $65.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $995.3M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Trustco Bank Corp NY's price-to-sales ratio?

Trustco Bank Corp NY (TRST) trades at 5.1x sales, its market capitalization divided by revenue of $197.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $995.3M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Trustco Bank Corp NY's Piotroski F-Score?

Trustco Bank Corp NY (TRST) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Trustco Bank Corp NY's earnings high quality?

Trustco Bank Corp NY (TRST) has an earnings quality ratio of 0.94x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Trustco Bank Corp NY?

Trustco Bank Corp NY (TRST) scores 43 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.