TrustCo Bank Corp NY logo TRST - TrustCo Bank Corp NY

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 2
SELL 1
STRONG
SELL
0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 278.3 263.1 244.5 205.9 185.9 195.5 210.7 199.0 187.3 180.4 177.2 176.8 170.8 175.9 179.5 183.0 180.6 189.4 207.2 184.1 175.5 170.8 166.8 181.0 194.5 190.1 182.6 196.2 189.2 176.9 175.7 144.9 152.9
Cost of Revenue 91.6 93.4 55.6 6.1 2.1 30.3 36.5 21.6 16.6 18.3 19.9 20.6 22.3 32.0 45.0 58.2 60.8 78.3 95.5 67.4 39.4 39.2 41.9 59.4 77.7 79.8 79.1 93.0 91.9 88.9 92.9 68.8 73.3
Gross Profit 186.7 169.8 188.9 199.7 183.8 165.2 174.4 177.4 170.7 162.1 157.3 156.3 148.5 144.0 134.5 124.8 119.9 111.1 111.7 116.7 136.1 131.5 124.8 121.6 116.8 110.3 103.5 103.2 97.3 88 82.8 76.1 79.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 65.3 54.1 57.4 51.1 53.7 49.8 50.9 47.9 47.4 45.0 41.5 39.3 39.2 38.9 36.2 36.2 43.3 32.8 22.6 20.7 20.1 20.7 20.4 22.3 25.9 23.3 25 23.4 23.2 21.5 19.9 19.1 17.6
Other Expenses 40.2 51.7 53.9 49.2 48.0 45.9 46.8 49.8 46.6 48.8 49.1 45.4 45.8 45.0 46.0 44.7 33.3 28.2 31.0 28.4 26.2 27.5 28.0 33.0 25.4 24.5 20.6 25.4 23 20.5 24.6 21.5 25.9
Operating Expenses 105.5 105.7 111.3 100.3 101.7 95.7 97.7 97.7 94.0 93.8 90.6 84.7 85.0 84.0 82.1 80.9 76.6 60.8 53.6 49.1 46.2 48.2 48.5 55.3 51.3 47.8 45.6 48.8 46.2 42 44.5 40.6 43.5
Operating Income
Operating Income 81.2 64.0 77.6 99.4 82.1 69.4 76.5 79.7 76.7 68.3 66.8 71.6 63.5 60.0 52.4 43.9 43.3 50.3 58.1 67.6 89.8 83.4 76.4 66.3 65.4 62.5 57.9 54.4 51.1 46 38.3 35.5 36.1
Interest Expense 90.4 91.4 54.4 6.5 7.6 24.7 36.3 20.2 14.6 15.3 16.2 15.5 15.3 20.0 26.2 35.0 49.5 74.1 93.0 70.9 45.7 38.8 40.7 58.0 72.8 75.6 74 88.4 86.5 82.3 80.2 60.7 61.7
Interest Income 259.4 243.3 226.2 186.6 168.0 178.3 192.1 180.9 169.0 161.4 159.3 156.9 151.0 155.0 160.7 162.1 161.4 170.9 189.4 169.2 150.2 138.8 137.1 153.7 168.7 173.7 167.2 174.1 172 166.6 161.6 140.3 133.7
Profitability
EBITDA 89.8 75.5 88.4 110.0 92.7 79.6 86.5 83.8 80.6 72.3 71.3 76.4 68.5 65.0 57.2 48.6 47.8 54.1 61.2 70.3 92.5 85.3 78.8 68.4 68.2 65.3 60.1 56.9 54.4 49 41.9 38.2 38.5
EBIT 81.2 64.0 77.6 99.4 82.1 69.4 76.5 79.7 76.7 68.3 66.8 71.6 63.5 60.0 52.4 43.9 43.3 50.3 58.1 67.6 89.8 83.4 76.4 66.3 65.4 62.5 57.9 54.4 51.1 46 38.3 35.5 36.1
Income Before Tax 80.8 64.0 77.6 99.4 82.1 69.4 76.5 79.7 76.7 68.3 66.8 71.6 63.5 60.0 52.4 43.9 43.3 50.3 58.1 67.6 89.8 83.4 76.4 66.3 65.4 62.5 57.9 54.4 51.1 46 38.3 35.5 36.1
Income Tax Expense 19.7 15.2 19.0 24.2 20.6 17.0 18.7 18.2 33.6 25.7 24.5 27.4 23.7 22.4 19.3 14.6 15.2 16.2 18.6 22.3 30.8 26.8 23.3 17.0 19.9 20.8 19.7 19.4 18.9 17.3 12.8 12.6 12.5
Net Income 61.1 48.8 58.6 75.2 61.5 52.5 57.8 61.4 43.1 42.6 42.2 44.2 39.8 37.5 33.1 29.3 28.1 34.1 39.5 45.3 59.0 56.5 53.0 49.2 45.5 41.7 38.2 35 32.2 28.7 25.5 22.9 20.3
Per Share Data
EPS (Basic) 3.25 2.57 3.08 3.93 3.19 2.72 2.99 3.18 2.25 2.23 2.22 2.34 2.11 2.00 1.95 0.45 1.84 2.25 2.63 3.03 3.94 3.81 3.57 3.39 3.20 2.95 2.69 2.46 3.00 2.70 1.76 1.45 1.48
EPS (Diluted) 3.25 2.57 3.08 3.93 3.19 2.72 2.98 3.18 2.24 2.23 2.22 2.33 2.11 2.00 1.95 0.45 1.84 2.25 2.63 3.02 3.91 3.77 3.52 3.30 3.10 2.86 2.58 2.38 2.90 2.60 1.76 1.45 1.44
Shares Outstanding 18.3 19.0 19.0 19.1 19.3 19.3 19.4 19.3 19.2 19.1 19.0 18.9 18.8 18.7 17.0 15.4 15.3 15.2 15.0 15.0 15.0 14.9 14.9 14.5 14.2 14.1 14.2 14.2 10.7 10.6 14.4 15.8 13.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 50.6 47.4 49.3 43.4 48.4 47.2 48.2 49.3 44.1 48.7 45.3 41.9 54.2 56.4 64.0 60.1 46.0 64.5 424.9 437.7 355.8 289.9 315.5 200
Short-Term Investments 242.9 297.2 452.3 481.5 407.7 439.1 573.8 501.5 572.0 620.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 293.5 344.5 501.6 524.9 456.1 486.3 622.0 550.7 616.1 669.1 45.3 41.9 54.2 56.4 64.0 60.1 46.0 64.5 424.9 437.7 355.8 289.9 315.5 200
Non-Current Assets
Property, Plant & Equipment 74.3 70.4 74.5 77.3 81.1 82.3 86.1 34.7 35.2 35.5 37.8 35.2 22.5 20.2 19.5 18.9 17.4 16.2 17 18.6 29.6 28.7 38.1 24.9
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 5,272.1 5,114.2 4,960.8 4,694.9 4,404.4 4,208.7 4,036.5 3,851.8 3,619.8 3,432.2 3,429.2 3,067.9 2,086.7 2,290.5 2,022.9 2,086.6 2,024.0 1,934.7 1,985.7 1,846.7 1,809 1,818 1,579.1 1,684.1
Other Non-Current Assets 800.8 709.6 631.3 703.0 1,254.9 1,124.5 476.7 521.7 637.0 732.1 167.7 361.9 700.5 411.1 589.7 413.0 368.8 348.6 57.5 69.3 67.4 39.6 43 62.3
Total Non-Current Assets 6,147.2 5,894.2 5,666.6 5,475.1 5,740.5 5,415.5 4,599.3 4,408.2 4,291.9 4,199.7 3,634.6 3,464.9 2,809.6 2,721.7 2,632.1 2,518.5 2,410.2 2,299.5 2,060.2 1,934.6 1,906 1,886.3 1,660.2 1,771.3
Total Assets 6,440.7 6,238.7 6,168.2 6,000.1 6,196.5 5,901.8 5,221.3 4,958.9 4,908.0 4,868.8 3,679.9 3,506.8 2,863.8 2,778.1 2,696.1 2,578.6 2,456.2 2,364 2,485.1 2,372.3 2,261.8 2,176.2 1,975.7 1,971.3
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 120.1 84.8 89.0 245.4 244.7 214.8 148.7 161.9 243.0 209.4 107.7 109.6 78.0 90.6 141.2 218.2 192.9 152.8 147.9 127.9 111.7 56.7 12.7 18.3
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 5,557.4 5,391.0 5,350.8 5,192.8 5,268.1 5,037.2 4,450.0 4,274.2 4,173.3 4,196.2 3,305.2 3,136.3 2,527.1 2,419.8 2,274.3 2,092.9 2,011.0 1,994.9 2,107.4 2,021.9 1,953.1 1,930.6 1,789.8 1,794.2
Total Current Liabilities 5,677.5 5,475.8 5,439.8 5,473.8 5,542.7 5,280.9 4,626.5 4,469.0 4,449.7 4,436.1 3,434.2 3,270.8 2,605.1 2,510.4 2,415.5 2,311.1 2,203.9 2,147.7 2,255.3 2,149.8 2,064.8 1,987.3 1,802.5 1,838.6
Non-Current Liabilities
Long-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0.1 0.2 0.4 0.6 0 0 0 0 0 0 3.6 2.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 40.2 46.5 38.7 (122.7) 0 0 0 0 0 0 0 0 32.8 40.7 45.3 61.0 56.5 49.9 44 43.7 34.6 28.8 30.3 0
Total Non-Current Liabilities 76.6 86.6 83.1 (73.7) 52.7 52.8 56.6 0 0 0 0 0 32.9 40.9 45.7 61.7 56.5 49.9 44 43.7 34.6 28.8 33.9 2.8
Total Liabilities 5,754.1 5,562.4 5,522.9 5,400.1 5,595.4 5,333.6 4,683.1 4,469.0 4,449.7 4,436.1 3,434.2 3,270.8 2,638.0 2,551.4 2,461.2 2,372.8 2,260.4 2,197.7 2,299.3 2,193.5 2,099.4 2,016.1 1,836.4 1,841.4
Stockholders' Equity
Common Stock 20.1 20.1 20.1 20.1 20.0 20.0 100.2 100.2 100.0 99.2 83.2 83.2 81.7 80.7 79.1 76.2 65.2 56.4 0 0 0 0 0 0
Retained Earnings 480.0 446.5 425.1 393.8 349.1 314.0 288.1 256.4 219.4 201.5 99.2 93.8 90.0 78.1 69.6 63.9 56.9 48.5 40.5 32.1 23.2 14.7 6.9 25.3
Accumulated Other Comprehensive Income 270.4 (3.9) (13.2) (27.2) 12.1 11.9 4.5 (10.3) (1.8) (6.3) (1.3) (1.4) 4.5 21.0 27.3 21.7 20.5 (2.5) 18.6 15.9 5.2 12.4 0 0
Total Stockholders' Equity 686.6 676.3 645.3 600.0 601.1 568.2 538.3 489.9 458.3 432.7 245.7 236.0 225.8 226.8 234.8 205.8 195.8 166.4 185.8 178.8 162.4 160.1 139.3 129.9
Total Liabilities & Equity 6,440.7 6,238.7 6,168.2 6,000.1 6,196.5 5,901.8 5,221.3 4,958.9 4,908.0 4,868.8 3,679.9 3,506.8 2,863.8 2,778.1 2,696.1 2,578.6 2,456.2 2,364 2,485.1 2,372.3 2,261.8 2,176.2 1,975.7 1,971.3
Debt Metrics
Total Debt 156.4 124.9 133.5 294.4 297.4 267.5 205.2 161.9 243.0 209.4 107.7 109.6 78.1 90.8 141.7 218.8 192.9 152.8 147.9 127.9 111.7 56.7 16.3 21.1
Net Debt 105.9 77.6 84.2 251.0 249.0 220.3 157.0 112.6 198.9 160.7 62.5 67.7 23.9 34.4 77.7 158.7 146.9 88.3 (277) (309.8) (244.1) (233.2) (299.2) (178.9)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 61.1 48.8 58.6 75.2 61.5 52.5 57.8 61.4 43.1 42.6 59.0 56.5 53.0 49.2 45.5 41.7 38.2 35 32.2 28.7 25.5 22.9 23.6
Depreciation & Amortization 0 11.4 10.8 10.6 10.6 10.2 9.9 4.1 3.8 4.0 2.7 1.9 2.5 2.2 2.7 2.7 2.2 2.5 3.3 3 3.6 2.7 2.4
Stock-Based Compensation 0 0.7 0.1 0 0 0.0 0.0 0.2 0.1 0.2 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (23.5) (5.4) (10.4) (12.8) (14.9) (7.5) (7.3) (5.3) 8.2 (3.0) (6.3) (2.5) (5.4) (3.3) (0.7) 2.4 (5.2) 8.3 16 (12.3) 8.2 1.3 (12)
Other Non-Cash Items 20.0 1.9 2.9 1.6 (1.6) 8.1 2.2 4.7 6.5 7.7 (13.6) (14.1) (9.4) (6.1) 0.4 10.7 9.3 3.1 5.2 11.1 9.1 20.2 (50.7)
Operating Cash Flow 57.6 59.4 64.1 78.6 55.4 62.2 63.8 67.6 61.7 54.9 44.6 44.9 38.1 52.5 43.8 56.2 42.6 50.3 53 26.4 36.6 44.1 (36.7)
Investing Activities
Capital Expenditure (11.9) (4.9) (5.7) (3.8) (2.8) (3.8) (3.9) (3.6) (3.6) (2.1) (3.9) (4.3) (3.0) (3.2) (3.5) (2.7) (2.3) (1.8) (2.4) (1) (2.3) (1.7) (2.2)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments 0 (42.8) (19.7) (203.5) (140.0) (145.3) (262.8) (61.8) (83.0) (275.3) (477.2) (889.6) (1,593.0) (468.3) (402.8) (248.3) (360.9) (372) (350.1) (503.9) (507.7) (953.6) (159.5)
Sales/Maturities of Investments 0 141.2 59.7 86.2 161.6 291.5 205.8 128.9 147.6 258.9 277.6 1,156.7 1,068.2 418.9 427.4 320.0 396.4 262.2 392.2 508.8 354.2 1,148.1 237.3
Other Investing Activities (104.7) (97.3) (268.0) (295.5) (194.0) (177.7) (187.9) (237.3) (205.8) (139.3) (225.2) (76.7) 255.9 128.7 (83.6) (109.8) (26.6) (27.3) (70.1) (23.3) (71.3) (99.5) (37.9)
Investing Cash Flow (104.7) (3.8) (233.6) (416.6) (175.3) (35.3) (248.8) (173.8) (144.9) (157.8) (428.6) 186.1 (271.9) 76.2 (62.4) (40.8) 6.6 (138.9) (30.4) (19.4) (227.1) 93.3 37.7
Financing Activities
Net Debt Issuance 35.3 (4.2) (33.7) (122.0) 29.9 66.1 (13.2) (81.1) 33.6 18.2 9.9 (12.8) (50.8) (77.2) 25.0 38.9 4.9 20.1 16.2 55 41.2 (4.8) (4.7)
Stock Repurchased (38.1) (0.4) 0 (7.0) (2.6) (3.5) (0.0) (0.7) (4.6) (0.7) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (27.6) (27.4) (27.4) (27.0) (26.3) (26.3) (26.4) (25.6) (25.2) (25.1) (44.9) (44.5) (45.0) (43.2) (37.0) (32.1) (29.6) (25.7) (22.4) (19.4) (16.9) (13.6) (10.9)
Other Financing Activities 166.1 40.1 158.0 (74.9) 231.2 587.2 176.0 102.1 (17.6) 97.2 35.4 107.3 145.5 181.4 81.9 (5.3) (112.5) 85.5 68.7 22.5 140.9 (4.4) 23
Financing Cash Flow 135.7 8.1 96.9 (230.9) 232.3 623.4 138.1 (2.9) (11.3) 92.0 0.4 53.7 39.4 78.8 71.8 (0.5) (143.6) 75.8 59.4 59 164.9 (21.9) 7.9
Cash Position
Net Change in Cash 88.6 63.8 (72.6) (568.9) 112.4 650.3 (46.9) (109.0) (94.5) (10.9) (383.6) 284.7 (194.4) 207.5 53.1 14.9 (94.4) (12.8) 82 (289.9) (315.5) (200) (191)
Cash at Beginning 641.8 578.0 650.6 1,219.5 1,107.1 456.8 503.7 612.7 707.3 718.2 696.4 411.7 606.1 398.6 345.4 330.5 424.9 437.7 355.8 289.9 315.5 200 191
Cash at End 730.4 641.8 578.0 650.6 1,219.5 1,107.1 456.8 503.7 612.7 707.3 312.9 696.4 411.7 606.1 398.6 345.4 330.5 424.9 437.8 348.9 480.4 178.1 198.9
Free Cash Flow 45.7 54.6 58.5 74.8 52.5 58.3 59.9 64.0 58.1 52.8 40.8 40.6 35.1 49.4 40.3 53.5 40.3 48.5 50.6 25.4 34.3 42.4 (38.9)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 278.3 263.1 244.5 205.9 185.9 195.5 210.7 199.0 187.3 180.4 177.2 176.8 170.8 175.9 179.5 183.0 180.6 189.4 207.2 184.1 175.5 170.8 166.8 181.0 194.5 190.1 182.6 196.2 189.2 176.9 175.7 144.9 152.9
Gross Profit 186.7 169.8 188.9 199.7 183.8 165.2 174.4 177.4 170.7 162.1 157.3 156.3 148.5 144.0 134.5 124.8 119.9 111.1 111.7 116.7 136.1 131.5 124.8 121.6 116.8 110.3 103.5 103.2 97.3 88 82.8 76.1 79.6
Operating Income 81.2 64.0 77.6 99.4 82.1 69.4 76.5 79.7 76.7 68.3 66.8 71.6 63.5 60.0 52.4 43.9 43.3 50.3 58.1 67.6 89.8 83.4 76.4 66.3 65.4 62.5 57.9 54.4 51.1 46 38.3 35.5 36.1
Net Income 61.1 48.8 58.6 75.2 61.5 52.5 57.8 61.4 43.1 42.6 42.2 44.2 39.8 37.5 33.1 29.3 28.1 34.1 39.5 45.3 59.0 56.5 53.0 49.2 45.5 41.7 38.2 35 32.2 28.7 25.5 22.9 20.3
EPS (Diluted) 3.25 2.57 3.08 3.93 3.19 2.72 2.98 3.18 2.24 2.23 2.22 2.33 2.11 2.00 1.95 0.45 1.84 2.25 2.63 3.02 3.91 3.77 3.52 3.30 3.10 2.86 2.58 2.38 2.90 2.60 1.76 1.45 1.44
Balance Sheet
Cash & Equivalents 50.6 47.4 49.3 43.4 48.4 47.2 48.2 49.3 44.1 48.7 45.3 41.9 54.2 56.4 64.0 60.1 46.0 64.5 424.9 437.7 355.8 289.9 315.5 200
Total Assets 6,440.7 6,238.7 6,168.2 6,000.1 6,196.5 5,901.8 5,221.3 4,958.9 4,908.0 4,868.8 3,679.9 3,506.8 2,863.8 2,778.1 2,696.1 2,578.6 2,456.2 2,364 2,485.1 2,372.3 2,261.8 2,176.2 1,975.7 1,971.3
Total Debt 156.4 124.9 133.5 294.4 297.4 267.5 205.2 161.9 243.0 209.4 107.7 109.6 78.1 90.8 141.7 218.8 192.9 152.8 147.9 127.9 111.7 56.7 16.3 21.1
Stockholders' Equity 686.6 676.3 645.3 600.0 601.1 568.2 538.3 489.9 458.3 432.7 245.7 236.0 225.8 226.8 234.8 205.8 195.8 166.4 185.8 178.8 162.4 160.1 139.3 129.9
Cash Flow
Operating Cash Flow 57.6 59.4 64.1 78.6 55.4 62.2 63.8 67.6 61.7 54.9 44.6 44.9 38.1 52.5 43.8 56.2 42.6 50.3 53 26.4 36.6 44.1 (36.7)
Capital Expenditure (11.9) (4.9) (5.7) (3.8) (2.8) (3.8) (3.9) (3.6) (3.6) (2.1) (3.9) (4.3) (3.0) (3.2) (3.5) (2.7) (2.3) (1.8) (2.4) (1) (2.3) (1.7) (2.2)
Free Cash Flow 45.7 54.6 58.5 74.8 52.5 58.3 59.9 64.0 58.1 52.8 40.8 40.6 35.1 49.4 40.3 53.5 40.3 48.5 50.6 25.4 34.3 42.4 (38.9)