Touchstone
Last syncNov 1, 2026, 6:55 PM ET

TRST

Trustco Bank Corp N Y Financials State Commercial Banks Russell 3000
$56.26Close $1.0BMarket cap $36.47 – $59.1152-week range Jan 20, 2027Next report · estimated

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Near its high 5% below its 52-week high
  • Earnings growing EPS +23% year on year, faster than the quarter before (+2 pts)

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 10, 2026
Off 12-month high 5%
1wk up 1.0% price change
1mo up 3.6% price change
12-month return up 54% market up 11% · its own up 43%
F-score — — Not assessed
Altman Z — Unknown
P/E 16.6× price / earnings
PEG 0.62 P/E / EPS growth
P/B 1.5× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 9% year on year
EPS growth up 23% latest quarter · +2 pts
Sales growth up 11% latest quarter · +1 pts
ROE up 9% return on equity
Free cash margin —
D/E — long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Revenue reaccelerating (-10% then +9%)

Trade setup

ATR% 2.2% $1.24 a day · 2×ATR $53.78
RS 78 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 0.8× vs 50-day average
Up/down volume 1.07 50 sessions
Implied move — no scheduled report
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 21, 2026
Results reaction Oct 21, 2026+2% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $187.9M +9% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $170.8M FY2021 · $178.3M FY2022 · $199.4M FY2023 · $190.2M FY2024 · $171.8M FY2025 · $187.9M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $61.1M +25% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $52.5M FY2021 · $61.5M FY2022 · $75.2M FY2023 · $58.6M FY2024 · $48.8M FY2025 · $61.1M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 33%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 31% FY2021 · Net 34% FY2022 · Net 38% FY2023 · Net 31% FY2024 · Net 28% FY2025 · Net 33%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $1.1B FY2021 · Cash $1.2B FY2022 · Cash $650.6M FY2023 · Cash $578.0M FY2024 · Cash $641.8M FY2025 · Cash $730.4M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 18.03m -6.5% since FY2020
19.29m 18.03m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 19.29m FY2021 · 19.22m FY2022 · 19.02m FY2023 · 19.02m FY2024 · 19.02m FY2025 · 18.03m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $170.8M $178.3M $199.4M $190.2M $171.8M $187.9M
Net income $52.5M $61.5M $75.2M $58.6M $48.8M $61.1M
Net margin 31% 34% 38% 31% 28% 33%
Earnings per share $2.72 $3.19 $3.93 $3.08 $2.57 $3.25
Cash $1.1B $1.2B $650.6M $578.0M $641.8M $730.4M
Shareholders' equity $568.2M $601.1M $600.0M $645.3M $676.3M $686.6M
Shares outstanding 19.29m 19.22m 19.02m 19.02m 19.02m 18.03m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 10, 2026 Quarterly ↗ Jun 30, 2026 41d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Mar 16, 2026 Annual ↗ Dec 31, 2025 75d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Mar 14, 2025 Annual ↗ Dec 31, 2024 73d
Nov 8, 2024 Quarterly ↗ Sep 30, 2024 39d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Mar 11, 2024 Annual ↗ Dec 31, 2023 71d
Nov 8, 2023 Quarterly ↗ Sep 30, 2023 39d

Current reports

FiledDisclosed
Oct 21, 2026 Results ↗
Oct 13, 2026 Other events ↗
Sep 16, 2026 Director or officer change · Other events ↗
Aug 18, 2026 Other events ↗
Jul 21, 2026 Results ↗
Jul 10, 2026 Other events ↗
May 20, 2026 Director or officer change · Shareholder vote · Other events ↗
May 20, 2026 Other events ↗
Apr 21, 2026 Results ↗
Apr 10, 2026 Other events ↗
Feb 17, 2026 Other events ↗
Jan 29, 2026 Director or officer change ↗