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TrustCo Bank Corp NY (TRST)
Financial Services · Banks - Regional · NasdaqGS
TrustCo Bank Corp NY revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $178.34M | $199.40M | $190.16M | $0 | $0 |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $42.60M | $43.15M | $61.45M | $57.84M | $52.45M | $61.52M | $75.23M | $58.65M | $48.83M | $61.14M |
| Net margin | — | — | — | — | — | 34.5% | 37.7% | 30.8% | — | — |
Source: TrustCo Bank Corp NY SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into TRST stock?
At today's market cap of $956.05M, TrustCo Bank Corp NY is priced for free-cash-flow growth of about 8.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $45.74M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -4.7%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of TrustCo Bank Corp NY financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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TrustCo Bank Corp NY financial history by metric
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.
TrustCo Bank Corp NY — frequently asked questions
What is TrustCo Bank Corp NY's revenue?
TrustCo Bank Corp NY (TRST) reported revenue of $0 for fiscal year 2025, according to its SEC filings.
Is TrustCo Bank Corp NY profitable?
Yes. TRST earned net income of $61.14M in fiscal 2025.
What is TRST's P/E ratio?
TrustCo Bank Corp NY trades at a price-to-earnings ratio of about 16.0 based on the latest data in our nightly-refreshed cache.
How much debt does TrustCo Bank Corp NY have?
As of fiscal year 2025, TRST carried roughly $120.05M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is TrustCo Bank Corp NY's market cap?
TrustCo Bank Corp NY (TRST) has a market capitalization of about $956.05M, based on the latest data in our nightly-refreshed cache.
When does TrustCo Bank Corp NY's fiscal year end?
TRST's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into TRST stock?
At today's market cap of $956.05M, TrustCo Bank Corp NY is priced for free-cash-flow growth of about 8.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $45.74M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -4.7%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from TrustCo Bank Corp NY's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.