TRSTNasdaqState Commercial BanksFiscal year ends December 31
TRUSTCO BANK CORP N Y
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$53.68−0.63 (-1.16%)
Close on Oct 19, 2026
- Market cap
- $933.28M
- P/E (TTM)
- 14.9
- Dividend yield
- 2.76%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
32.5%+1.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.4% | -2.0% | +1.9% | +1.6% | |
| Net income | +25.2% | -6.7% | +3.1% | +3.8% | |
| EPS, diluted | +26.5% | -6.1% | +3.6% | +3.9% | |
| Free cash flow | -16.2% | -15.1% | -4.7% | -2.0% | |
| Dividend per share | +2.8% | +1.6% | +1.7% | +1.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.1% | 9.5% | 9.0% | |
| Return on assets | 0.9% | 0.9% | 1.0% | |
| Capex to revenue | 1.2% | 2.2% | 6.3% | |
| Diluted shares | 19M | 19M | 19M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Trustco Bank Corp N Y generated $315.17M from operations and spent $212.63M on capital expenditure, dividends and share buybacks. 14% of that went back into the business.
Generated
$315.17M
Used
$212.63M
Capital expenditure$29.04M14%Dividends$135.69M64%Share buybacks$47.90M23%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin32.5%
×Asset turnover0.03×
×Equity multiplier9.30×
=Return on equity, FY20259.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 32.5% | 0.03× | 9.30× | 9.0% |
| FY2024 | 28.4% | 0.03× | 9.39× | 7.4% |
| FY2023 | 30.8% | 0.03× | 9.77× | 9.4% |
| FY2022 | 37.7% | 0.03× | 10.15× | 12.5% |
| FY2021 | 34.5% | 0.03× | 10.35× | 10.5% |
| FY2020 | 30.7% | 0.03× | 10.05× | 9.5% |
| FY2019 | 33.2% | 0.03× | 9.90× | 11.3% |
| FY2018 | 34.4% | 0.04× | 10.41× | 13.0% |
| FY2017 | 25.0% | 0.04× | 10.97× | 9.7% |
| FY2016 | 25.8% | 0.03× | 11.35× | 10.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$61.14M
- Cash generatingOperating cash flow above zero$57.60M
- Return on assets improvedROA up on the prior year0.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income$57.60M vs $61.14M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise19M → 19M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03