TRUSTCO BANK CORP N Y

TRST

TRUSTCO BANK CORP N Y

TRST

Insider Sentiment (TTM):

Last Purchase:2026-06-04Last Sale:-Shares Purchased (TTM):1,093Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:13,361,290Shares Outstanding:17,813,000Institutional Ownership Pct.:75.01%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	45	43	51	42	45	49	47	50	42	45	49	46
Interest Bearing Deposits In Banks	652	725	680	654	668	707	594	473	494	565	529	461
Cash And Cash Equivalents At Carrying Value	697	768	730	696	714	756	642	523	536	610	578	507
Available For Sale Securities Debt Securities	303	301	310	320	337	324	358	384	395	426	452	450
Held To Maturity Securities	4	4	4	5	5	5	5	6	6	6	6	7
Federal Home Loan Bank Stock	7	7	7	7	7	7	7	7	7	6	6	6
Notes Receivable Gross	5,377	5,290	5,252	5,192	5,157	5,116	5,098	5,071	5,038	5,006	5,003	4,960
Financing Receivable Allowance For Credit Losses	-	53	52	52	51	51	50	50	50	49	49	47
Notes Receivable Net	5,323	5,237	5,200	5,140	5,105	5,066	5,048	5,021	4,989	4,956	4,954	4,913
Property Plant And Equipment Net	42	41	41	40	38	37	34	33	33	33	34	32
Operating Lease Right Of Use Asset	34	33	34	35	36	35	37	38	38	40	41	41
Other Assets	115	117	114	108	107	109	109	99	103	102	96	97
Assets	6,525	6,508	6,441	6,349	6,348	6,339	6,239	6,110	6,107	6,180	6,168	6,054
Liabilities And Stockhold…
Liabilities
Demand Deposit Accounts	825	812	815	796	784	793	762	754	745	743	755	773
Deposits Negotiable Order Of Withdrawal N O W	1,090	1,079	1,077	1,026	1,045	1,068	1,028	989	1,030	1,020	1,015	1,034
Deposits Savings Deposits	1,077	1,070	1,070	1,064	1,082	1,095	1,087	1,092	1,144	1,156	1,179	1,236
Deposits
Deposits	5,682	5,652	5,557	5,481	5,490	5,497	5,391	5,264	5,277	5,355	5,351	5,234
Deposits Money Market Deposits	439	443	457	455	467	479	465	477	517	533	566	610
Time Deposits	2,251	2,249	2,138	2,141	2,111	2,062	2,050	1,953	1,840	1,904	1,836	1,582
Short Term Borrowings	108	113	120	98	82	82	85	91	90	94	89	103
Operating Lease Liability	36	36	36	38	39	38	40	41	42	43	44	45
Accrued Liabilities And Other Liabilities	43	36	40	40	44	33	46	44	43	37	39	47
Liabilities	5,869	5,837	5,754	5,657	5,656	5,651	5,562	5,441	5,451	5,530	5,523	5,430
Common Stock Value	20	20	20	20	20	20	20	20	20	20	20	20
Additional Paid In Capital Common Stock	261	261	260	260	259	259	259	258	257	257	257	257
Retained Earnings Accumulated Deficit	500	490	480	471	462	454	447	442	436	430	425	422
Stockholders Equity
Stockholders Equity	656	671	687	692	693	688	676	669	655	649	645	624
Accumulated Other Comprehensive Income Loss Net Of…	7	8	10	3	2	-0	-4	-7	-14	-15	-13	-32
Treasury Stock Common Value	-132	-108	-84	-62	-51	-45	-45	-44	-44	-44	-44	-44
Liabilities And Stockholders Equity	6,525	6,508	6,441	6,349	6,348	6,339	6,239	6,110	6,107	6,180	6,168	6,054
Held To Maturity Securities Fair Value	4	4	4	5	5	5	5	6	6	6	6	6
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	30	30	30	30	30	30	30	30	30	30	30	30
Common Stock Shares Issued	20	20	20	20	20	20	20	20	20	20	20	20
Shares Outstanding	17	18	18	19	19	19	19	19	19	19	19	19
Treasury Stock Common Shares	3	3	2	2	1	1	1	1	1	1	1	1

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	5.61%	12.22%	17.75%	-	-	-	-	-	-	-	-	-
2025	-1.02%	7.59%	11.94%	19.31%	14.05%	14.08%	7.72%	9.80%	10.63%	6.69%	12.76%	21.61%
2024	-2.80%	1.92%	25.41%	7.86%	1.77%	1.68%	3.56%	-6.14%	-9.06%	-6.65%	3.92%	2.17%
2023	-	-	-	-	-	-	6.60%	16.88%	12.55%	-2.95%	0.47%	0.00%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.51	-0.52	-0.52	-0.55	-0.56	-0.57	-0.20	0.24	0.89	1.99	2.43	3.48
Per Share Metrics
Diluted EPS TTM	3.74	3.53	3.25	3.02	2.82	2.68	2.57	2.49	2.59	2.79	3.08	3.66
Free Cash Flow Per Share TTM	3.45	3.32	2.44	2.33	2.60	2.20	2.87	3.02	2.78	2.62	3.07	3.41
Dividend Per Share TTM	1.59	1.55	1.47	1.46	1.44	1.44	1.44	1.44	1.44	1.44	1.44	1.44
Margin Metrics
Gross Profit Margin TTM	66.58%	65.94%	65.14%	64.31%	63.81%	63.21%	62.45%	60.27%	62.67%	66.58%	72.89%	83.05%
Operating Profit Margin TTM	32.51%	31.85%	31.15%	29.19%	28.01%	27.13%	26.32%	25.91%	27.28%	30.12%	34.31%	41.98%
Net Profit Margin TTM	24.46%	24.03%	23.57%	22.28%	21.37%	20.69%	20.07%	19.75%	20.80%	22.85%	25.93%	31.74%
Growth Metrics
Net Revenue Growth (1Y)	6.31%	6.67%	6.62%	6.33%	5.81%	6.19%	7.56%	9.29%	12.03%	16.45%	21.22%	24.60%
Net Income Growth (1Y)	21.70%	23.86%	25.20%	19.94%	8.67%	-3.85%	-16.73%	-32.00%	-33.86%	-30.13%	-22.05%	-1.21%
EPS Growth (1Y)	33.38%	32.25%	26.97%	21.57%	8.99%	-3.83%	-16.71%	-31.95%	-33.85%	-30.13%	-21.61%	-0.76%
Valuation Metrics
P/E TTM	14.60	12.26	12.48	11.68	11.46	10.86	12.25	12.40	10.29	9.23	9.08	6.62
P/B TTM	1.45	1.15	1.11	0.96	0.88	0.81	0.88	0.88	0.77	0.75	0.82	0.74
P/S TTM	3.57	2.95	2.94	2.60	2.45	2.25	2.46	2.45	2.14	2.11	2.35	2.10
Market Cap	950.16M	774.23M	762.79M	664.23M	612.61M	553.88M	598.30M	587.89M	506.29M	489.17M	532.26M	461.66M
Enterprise Value	361.91M	119.05M	152.42M	66.43M	-18.61M	-119.98M	41.27M	156.37M	59.90M	-26.14M	43.25M	57.51M
Calculated Values
Free Cash Flow TTM	59.75M	59.18M	45.74M	43.65M	49.22M	41.90M	54.56M	57.34M	52.84M	49.84M	58.46M	64.86M
Net Debt	-588.26M	-655.18M	-610.37M	-597.81M	-631.22M	-673.86M	-557.03M	-431.52M	-446.39M	-515.31M	-489.01M	-404.15M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-04Purchase

Owner: Lucarelli, Lisa M

Title: -

Shares: 200

Price/Share: $52.29

Value: $10,458.00

Shares Owned: 100

Relationship: Director

Ownership: Indirect

2026-04-24Purchase

Owner: Silverman, Frank B

Title: -

Shares: 105

Price/Share: $46.18

Value: $4,848.90

Shares Owned: 4,892

Relationship: Director

Ownership: Direct

2026-03-12Purchase

Owner: Curley, Kevin M

Title: EXECUTIVE VICE PRESIDENT & COO

Shares: 588

Price/Share: $42.55

Value: $25,019.40

Shares Owned: 40,984

Relationship: Officer

Ownership: Direct

2025-11-26Purchase

Owner: Lucarelli, Lisa M

Title: -

Shares: 200

Price/Share: $42.69

Value: $8,538.00

Shares Owned: 2,997

Relationship: Director

Ownership: Direct

2025-06-04Purchase

Owner: Cotugno, Steffani

Title: -

Shares: 750

Price/Share: $31.15

Value: $23,362.50

Shares Owned: 1,573

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-04	Lucarelli, Lisa M	Director	-	Indirect	Purchase	200	52.29	$10,458.00	100	4
2026-04-24	Silverman, Frank B	Director	-	Direct	Purchase	105	46.18	$4,848.90	4,892	4
2026-03-12	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	588	42.55	$25,019.40	40,984	4
2025-11-26	Lucarelli, Lisa M	Director	-	Direct	Purchase	200	42.69	$8,538.00	2,997	4
2025-06-04	Cotugno, Steffani	Director	-	Direct	Purchase	750	31.15	$23,362.50	1,573	4
2025-04-25	Powell, Curtis N	Director	-	Direct	Purchase	200	30.44	$6,088.00	2,108	4
2025-04-25	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	822	30.40	$24,988.80	38,559	4
2025-02-05	Cotugno, Steffani	Director	-	Direct	Purchase	400	32.33	$12,932.00	814	4
2025-01-29	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	625	32.13	$20,081.25	37,520	4
2024-06-04	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	551	27.21	$14,992.71	35,523	4
2024-05-24	Cotugno, Steffani	Director	-	Direct	Purchase	400	28.01	$11,204.00	400	4
2024-03-12	Hall, Michael James	Officer	GENERAL COUNSEL & SECRETARY	Direct	Purchase	500	27.40	$13,700.00	9,540	4
2024-02-13	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	916	27.30	$25,006.80	34,766	4
2024-02-02	Hall, Michael James	Officer	GENERAL COUNSEL & SECRETARY	Direct	Purchase	463	27.81	$12,876.03	9,040	4
2024-02-01	Schreck, Eric W	Officer	EVP & TREASURER	Direct	Purchase	1,000	28.44	$28,440.00	41,407	4
2023-11-16	Silverman, Frank B	Director	-	Direct	Purchase	205	28.01	$5,742.05	4,787	4
2023-11-09	Mccormick, Robert J	Director,Officer	CHAIRMAN, PRESIDENT & CEO	Direct	Purchase	560	26.78	$14,996.80	268,726	4
2023-11-07	Mccormick, Robert J	Director,Officer	CHAIRMAN, PRESIDENT & CEO	Direct	Purchase	788	27.52	$21,685.76	268,166	4
2023-10-26	Hall, Michael James	Officer	GENERAL COUNSEL & SECRETARY	Direct	Purchase	500	25.41	$12,705.00	8,476	4
2023-10-26	Leonard, Robert M	Officer	EVP & CHIEF RISK OFFICER	Direct	Purchase	1,000	25.15	$25,150.00	31,192	4
2023-10-26	Schreck, Eric W	Officer	EVP & TREASURER	Direct	Purchase	500	25.47	$12,735.00	25,583	4
2023-10-26	Curley, Kevin M	Officer	EXECUTIVE VICE PRESIDENT & COO	Direct	Purchase	689	25.40	$17,500.09	33,656	4
2023-09-15	Ozimek, Michael M	Officer	EXECUTIVE VICE PRESIDENT & CFO	Direct	Purchase	2,700	27.62	$74,574.00	27,682	4
2023-09-14	Ozimek, Michael M	Officer	EXECUTIVE VICE PRESIDENT & CFO	Direct	Purchase	1,900	27.74	$52,706.00	24,982	4
2023-08-25	Powell, Curtis N	Director	-	Direct	Purchase	200	28.00	$5,600.00	1,786	4
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Institutional Ownership

No data available for chart

2026-03-31

75.01%

Inst. Shares: 13,361,290

Shares Outstanding: 17,813,000

2025-12-31

74.73%

Inst. Shares: 14,014,290

Shares Outstanding: 18,752,000

2025-09-30

75.13%

Inst. Shares: 14,091,511

Shares Outstanding: 18,755,000

2025-06-30

74.66%

Inst. Shares: 14,158,322

Shares Outstanding: 18,965,000

2025-03-31

72.46%

Inst. Shares: 13,781,378

Shares Outstanding: 19,020,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	13,361,290	17,813,000	75.01%
2025-12-31	14,014,290	18,752,000	74.73%
2025-09-30	14,091,511	18,755,000	75.13%
2025-06-30	14,158,322	18,965,000	74.66%
2025-03-31	13,781,378	19,020,000	72.46%
2024-12-31	13,588,037	19,018,000	71.45%
2024-09-30	13,044,946	19,010,000	68.62%
2024-06-30	12,779,863	19,022,000	67.18%
2024-03-31	12,621,785	19,024,000	66.35%
2023-12-31	12,677,277	19,024,000	66.64%
2023-09-30	12,365,589	19,024,000	65.00%
2023-06-30	12,507,250	19,024,000	65.74%
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TRUSTCO BANK CORP N Y (TRST) — SEC Financial Statements & Analysis

TRUSTCO BANK CORP N Y (TRST) is a state commercial banks company, incorporated in NY. TRUSTCO BANK CORP N Y trades on Nasdaq as: TRST. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), TRUSTCO BANK CORP N Y reported a 6.31% year-over-year revenue growth, a Gross Profit Margin of 66.58% (TTM), a Price-to-Sales (P/S) ratio of 3.57x (TTM), a Price-to-Book (P/B) ratio of 1.45x (TTM), at a market cap of $950.16M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 6.31%
Gross Profit Margin TTM: 66.58%
P/S TTM: 3.57x
P/B TTM: 1.45x
Market Cap: $950.16M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is TRUSTCO BANK CORP N Y in?

TRUSTCO BANK CORP N Y (TRST) operates in the State Commercial Banks industry.

What is TRST's market cap?

TRUSTCO BANK CORP N Y (TRST) has a market capitalization of $950.16M as of 2026-06-30.

What is TRST's P/E ratio?

TRUSTCO BANK CORP N Y (TRST)'s trailing twelve month P/E ratio is 14.60x as of 2026-06-30.

What exchange does TRST trade on?

TRUSTCO BANK CORP N Y (TRST) trades on the Nasdaq.

Where is TRUSTCO BANK CORP N Y incorporated?

TRUSTCO BANK CORP N Y is incorporated in NY.