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TRUSTCO BANK CORP N Y

TRST

$55.04 ▼ -1.34 (-2.38%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

TRUSTCO BANK CORP N Y shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.0B

Dividend Yield 2.69%

Revenue Growth 9.4% ↗

Op. Margin 43.0% ↗

ROIC None

FCF / Share None

Trailing P/E 16.9x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.17

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$187.92M

↑ +9.4% —

Net Income Profit after all expenses

$61.14M

↑ +25.2% —

Operating Margin Operating profit as % of sales

43.0%

↑ +15.3% 95th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.48 Latest / share

+2.8% YoY

+1.1% 12-yr CAGR

$1.31

FY 2014

$1.31

FY 2015

$1.31

FY 2016

$1.31

FY 2017

$1.34

FY 2018

$1.36

FY 2019

$1.36

FY 2020

$1.37

FY 2021

$1.41

FY 2022

$1.44

FY 2023

$1.44

FY 2024

$1.48

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	-9.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-261%)	-4.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	11.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+97%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	-2.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	-2.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	3.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	4.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	2.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	4.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	11.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	—	—
EPS Growth YoY (%)	26.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-21.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	17.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	41.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	0.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-4.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	5.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution → Caution Stable Year-over-year change in earnings per share Optimal: > 10%	2.1% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	3.5% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	25.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.7% Weak ↓ Weak Declining Year-over-year change in net income	-22.0% Weak ↓ Weak Declining Year-over-year change in net income	22.3% Good ↑ Good Improving Year-over-year change in net income	17.3% Good ↑ Good Improving Year-over-year change in net income	-9.3% Weak ↓ Weak Declining Year-over-year change in net income	-5.9% Weak ↓ Weak Declining Year-over-year change in net income	42.4% Excellent ↑ Excellent Improving Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	0.9% Caution ↓ Caution Declining Year-over-year change in net income	-4.4% Weak ↓ Weak Declining Year-over-year change in net income	11.0% Fair → Fair Stable Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	13.4% Fair ↑ Fair Improving Year-over-year change in net income	12.8% Fair Fair Year-over-year change in net income	4.3% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.1% Caution Caution Compound annual revenue growth over 3 years	5.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	1.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.0% Caution Caution Compound annual revenue growth over 5 years	4.2% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-6.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	-1.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	3.5% Caution Caution Compound annual EPS growth over 3 years	2.8% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	43.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	37.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	40.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	49.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	46.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	24.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	32.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	28.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	30.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	37.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	34.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	30.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	33.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	34.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	25.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	26.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	25.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	24.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	21.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	21.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	—	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	11.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	11.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.17x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.41x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.38x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.48x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	—	0.48x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.56x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.45x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.02	$9.03	$10.00	$10.42	$9.26	$8.85	$9.00	$9.26	$8.99	$8.64	$8.47	$8.53	$8.26	$8.33	$9.01	—	—	—
Basic EPS, GAAP (USD)	$3.26	$2.57	$3.08	$3.93	$3.19	$2.72	$2.98	$3.19	$2.25	$2.23	$2.22	$2.33	$2.11	$2.00	$1.95	$1.91	$1.84	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.48	$1.44	$1.44	$1.41	$1.37	$1.36	$1.36	$1.34	$1.31	$1.31	$1.31	$1.31	$1.31	$1.31	$1.31	$1.28	$1.49	—
Book Value per Share (USD)	$38.08	$35.56	$33.92	$31.54	$31.28	$29.46	$27.79	$25.38	$23.84	$22.64	$21.73	$20.79	$19.21	$19.16	$19.90	—	—	—
Tangible Book Value per Share (USD)	$38.08	$35.56	$33.92	$31.54	$31.28	$29.46	$27.79	$25.38	$23.84	$22.64	$21.73	$20.79	$19.21	$19.16	$19.90	—	—	—
Basic Weighted Avg Shares (shares)	18.75M	19.02M	19.02M	19.13M	19.26M	19.30M	19.37M	19.30M	19.22M	19.11M	19.02M	18.93M	18.83M	18.73M	17.01M	—	—	—
Dividend Payout Ratio (%)	45.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	56.0% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	46.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.1% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	45.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.5% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	58.9% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	59.1% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	56.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	65.6% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	67.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	67.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	80.8% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$686.59M	$676.34M	$645.28M	$599.99M	$601.13M	$568.16M	$538.26M	$489.87M	$458.31M	$432.69M	$413.31M	$393.44M	$361.81M	$358.80M	$338.52M	$255.44M	$245.68M	$236.02M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$187.92M	$171.77M	$190.16M	$199.40M	$178.34M	$170.75M	$174.40M	$178.77M	$172.74M	$165.07M	$161.02M	$161.36M	$155.53M	$155.95M	$153.28M	$146.08M	$131.17M	—
Depreciation Expense (USD)	$4.80M	$4.50M	$4.10M	$4.10M	$4.20M	$4.00M	$4.00M	$4.10M	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$61.14M	$48.83M	$58.65M	$75.23M	$61.52M	$52.45M	$57.84M	$61.45M	$43.15M	$42.60M	$42.24M	$44.19M	$39.81M	$37.53M	$33.09M	$29.32M	$28.12M	—
Operating Cash Flow (USD)	$57.60M	$59.44M	$64.13M	$78.63M	$55.37M	$62.16M	$63.80M	$67.64M	$61.69M	$54.89M	$60.01M	—	$62.96M	$58.63M	$61.32M	$48.48M	$142.07M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.4%	2.8%	3.0%	2.6%	2.6%	3.0%	3.2%	3.1%	3.0%	—	3.0%	3.0%	3.1%	3.2%	3.2%	—	—
Efficiency Ratio (%) (%)	56.1%	61.6%	58.5%	50.3%	57.0%	56.0%	56.0%	54.7%	54.4%	56.8%	56.2%	52.5%	54.7%	53.8%	53.6%	54.1%	58.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

TRUSTCO BANK CORP N Y

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