Trustco Bank Corp NY financials
$54.58−1.39%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $278.4M | $263.1M | $244.5M | $205.9M | $185.9M | $195.5M | $210.7M | $199.0M | $187.3M | $180.4M |
| Gross profit | $187.9M | $171.8M | $190.2M | $199.4M | $178.3M | $170.8M | $174.4M | $178.8M | $172.7M | $165.1M |
| Gross margin | 67.5% | 65.3% | 77.8% | 96.9% | 95.9% | 87.4% | 82.8% | 89.8% | 92.2% | 91.5% |
| Operating income | $80.8M | $64.0M | $77.6M | $99.4M | $82.1M | $69.4M | $76.5M | $79.7M | $76.7M | $68.3M |
| Net income | $61.1M | $48.8M | $58.6M | $75.2M | $61.5M | $52.5M | $57.8M | $61.4M | $43.1M | $42.6M |
| Net margin | 22.0% | 18.6% | 24.0% | 36.5% | 33.1% | 26.8% | 27.4% | 30.9% | 23.0% | 23.6% |
| Diluted EPS | $3.25 | $2.57 | $3.08 | $3.93 | $3.19 | $2.72 | $2.98 | $3.18 | $2.24 | $2.23 |
| EBITDA | $80.8M | $64.0M | $77.6M | $99.4M | $82.1M | $69.4M | $76.5M | $79.7M | $76.7M | $68.3M |
| Operating cash flow | $57.6M | $59.4M | $64.1M | $78.6M | $55.4M | $62.2M | $63.8M | $67.6M | $61.7M | $54.9M |
| Free cash flow | $45.7M | $55.3M | $58.5M | $75.3M | $52.5M | $58.3M | $59.9M | $64.0M | $58.1M | $53.5M |
| Diluted shares | 18.8M | 19.0M | 19.0M | 19.1M | 19.3M | 19.3M | 19.4M | 19.3M | 19.2M | 19.1M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $50.6M | $47.4M | $49.3M | $43.4M | $48.4M | $47.2M |
| Short-term investments | $1.00B | $964.5M | $993.7M | $1.10B | $1.59B | $1.52B |
| Total debt | $120.1M | $84.8M | $89.0M | $122.7M | $244.7M | $214.8M |
| Total assets | $6.44B | $6.24B | $6.17B | $6.00B | $6.20B | $5.90B |
| Total liabilities | $5.75B | $5.56B | $5.52B | $5.40B | $5.60B | $5.33B |
| Shareholders' equity | $686.6M | $676.3M | $645.3M | $600.0M | $601.1M | $568.2M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology