InsiderClue
Stocks · Financials · State Commercial Banks

TRUSTCO BANK CORP N Y

TRST Clue Score54
United States Fiscal year ends December CIK 0000357301
$53.59 -2.14% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $53.59 +63.23% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income42.6EPS, diluted0.45Fiscal year 2017Net income43.1 +1.3%EPS, diluted0.45Fiscal year 2018Net income61.4 +42.4%EPS, diluted0.64Fiscal year 2019Net income57.8 −5.9%EPS, diluted2.98Fiscal year 2020Net income52.5 −9.3%EPS, diluted2.72Fiscal year 2021Net income61.5 +17.3%EPS, diluted3.19Fiscal year 2022Net income75.2 +22.3%EPS, diluted3.93Fiscal year 2023Net income58.6 −22.0%EPS, diluted3.08Fiscal year 2024Net income48.8 −16.7%EPS, diluted2.57Fiscal year 2025Net income61.1 +25.2%EPS, diluted3.25
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 42.6 43.1 61.4 57.8 52.5 61.5 75.2 58.6 48.8 61.1
Growth +1.3% +42.4% −5.9% −9.3% +17.3% +22.3% −22.0% −16.7% +25.2%
EPS, diluted 0.45 0.45 0.64 2.98 2.72 3.19 3.93 3.08 2.57 3.25

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow54.9Capital expenditure−2.1Free cash flow52.8Buybacks−0.7Dividends paid−25.1Fiscal year 2017Operating cash flow61.7Capital expenditure−3.6Free cash flow58.1 +9.9%Buybacks−4.6Dividends paid−25.2Fiscal year 2018Operating cash flow67.6Capital expenditure−3.6Free cash flow64.0 +10.2%Buybacks−0.7Dividends paid−25.6Fiscal year 2019Operating cash flow63.8Capital expenditure−3.9Free cash flow59.9 −6.4%Buybacks−0.0Dividends paid−26.4Fiscal year 2020Operating cash flow62.2Capital expenditure−3.8Free cash flow58.3 −2.6%Buybacks−3.5Dividends paid−26.3Fiscal year 2021Operating cash flow55.4Capital expenditure−2.8Free cash flow52.5 −9.9%Buybacks−2.4Dividends paid−26.3Fiscal year 2022Operating cash flow78.6Capital expenditure−3.8Free cash flow74.8 +42.5%Buybacks−7.0Dividends paid−27.0Fiscal year 2023Operating cash flow64.1Capital expenditure−5.7Free cash flow58.5 −21.9%Buybacks0.0Dividends paid−27.4Fiscal year 2024Operating cash flow59.4Capital expenditure−4.9Free cash flow54.6 −6.7%Buybacks−0.4Dividends paid−27.4Fiscal year 2025Operating cash flow57.6Capital expenditure−11.9Free cash flow45.7 −16.2%Buybacks−38.1Dividends paid−27.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 54.9 61.7 67.6 63.8 62.2 55.4 78.6 64.1 59.4 57.6
Capital expenditure −2.1 −3.6 −3.6 −3.9 −3.8 −2.8 −3.8 −5.7 −4.9 −11.9
Free cash flow 52.8 58.1 64.0 59.9 58.3 52.5 74.8 58.5 54.6 45.7
Growth +9.9% +10.2% −6.4% −2.6% −9.9% +42.5% −21.9% −6.7% −16.2%
Buybacks −0.7 −4.6 −0.7 −0.0 −3.5 −2.4 −7.0 0.0 −0.4 −38.1
Dividends paid −25.1 −25.2 −25.6 −26.4 −26.3 −26.3 −27.0 −27.4 −27.4 −27.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash707.3Shareholders’ equity432.7Fiscal year 2017Cash612.7Shareholders’ equity458.3Fiscal year 2018Cash503.7Shareholders’ equity489.9Fiscal year 2019Cash456.8Shareholders’ equity538.3Fiscal year 2020Cash1,107.1Shareholders’ equity568.2Fiscal year 2021Cash1,219.5Shareholders’ equity601.1Fiscal year 2022Cash650.6Shareholders’ equity600.0Fiscal year 2023Cash578.0Shareholders’ equity645.3Fiscal year 2024Cash641.8Shareholders’ equity676.3Fiscal year 2025Cash730.4Shareholders’ equity686.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 707.3 612.7 503.7 456.8 1,107.1 1,219.5 650.6 578.0 641.8 730.4
Shareholders’ equity 432.7 458.3 489.9 538.3 568.2 601.1 600.0 645.3 676.3 686.6

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
37.6% 43.8% 22.9% 24.4% 24.5% 25.1% 24.3% 24.4% 23.8% 24.3%
Returns
9.8% 9.4% 12.5% 10.7% 9.2% 10.2% 12.5% 9.1% 7.2% 8.9%
0.9% 0.9% 1.2% 1.1% 0.9% 1.0% 1.3% 1.0% 0.8% 0.9%
Balance and payout
91.1% 90.7% 90.1% 89.7% 90.4% 90.3% 90.0% 89.5% 89.2% 89.3%
58.8% 58.4% 41.6% 45.6% 50.2% 42.7% 35.9% 46.7% 56.1% 45.2%
48.8% 51.3% 41.1% 44.1% 51.1% 54.6% 45.4% 46.8% 50.9% 143.8%