tradmap

TRST Financials Trustco Bank Corp N Y

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 4.7% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 45.2% of earnings and 60.4% of free cash flow.
  • The dividend has grown 1.0% per year over the past 5 years.
Net income
$0 $38M $75M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 6% 13% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $343M $687M 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $37M $75M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $610M $1B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$417M $103M $623M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $61M 8.9% 0.9% $46M $730M
2024 $49M 7.2% 0.8% $55M $642M
2023 $59M 9.1% 1.0% $58M $578M
2022 $75M 12.5% 1.3% $75M $651M
2021 $62M 10.2% 1.0% $53M $1.2B
2020 $52M 9.2% 0.9% $58M $1.1B
2019 $58M 10.7% 1.1% $60M $457M
2018 $61M 12.5% 1.2% $64M $504M
2017 $43M 9.4% 0.9% $58M $613M
2016 $43M 9.8% 0.9% $53M $707M
2015 $42M 10.2% 0.9% $56M $718M
2014 $44M 11.2% 1.0% $671M
2013 $40M 11.0% 0.9% $57M $583M
2012 $38M 10.5% 0.9% $54M $544M
2011 $33M 9.8% 0.8% $56M $533M

Valuation over time

How the market has priced TRST against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 8.0 16.0 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 3.1 6.2 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is TRST growing its revenue and profit?

See the revenue and net-income charts above for Trustco Bank Corp N Y's multi-year trend.

How much debt does TRST have?

As of FY2025, Trustco Bank Corp N Y reported — of total debt against $730M of cash.

What is TRST's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is TRST's P/E ratio?

As of Sep '26, Trustco Bank Corp N Y traded at a price-to-earnings ratio of about 16.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.