← TRUSTCO BANK CORP N Y TRST
Market Price
$57.48
Market Cap
$996.24M
P/E Ratio
17.69
Revenue (FY 2025)
↑9.4% YoY
$187.92M
3-Yr CAGR: -2.0%
Net Income
↑25.2% YoY
$61.14M
Net Margin: 32.5%
Free Cash Flow
↓-16.2% YoY
$45.74M
FCF Yield: 4.59%
EPS (Diluted)
↑26.5% YoY
$3.25
Basic: $3.26
Return on Equity
Efficiency
8.9%
ROA: 0.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (TRST)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $165.1M | — | $149.8M | $42.6M | — | $0.45 | — | $54.9M | $52.8M | — |
| FY 2017 | $172.7M | +4.6% | $158.1M | $43.1M | +1.3% | $0.45 | +0.7% | $61.7M | $58.1M | +9.9% |
| FY 2018 | $178.8M | +3.5% | $158.5M | $61.4M | +42.4% | $0.64 | +42.0% | $67.6M | $64.0M | +10.2% |
| FY 2019 | $174.4M | -2.4% | $138.1M | $57.8M | -5.9% | $0.60 | -6.1% | $63.8M | $59.9M | -6.4% |
| FY 2020 | $170.8M | -2.1% | $146.0M | $52.5M | -9.3% | $0.54 | -9.0% | $62.2M | $58.3M | -2.6% |
| FY 2021 | $178.3M | +4.4% | $170.8M | $61.5M | +17.3% | $3.19 | +488.2% | $55.4M | $52.5M | -9.9% |
| FY 2022 | $199.4M | +11.8% | $192.9M | $75.2M | +22.3% | $3.93 | +23.0% | $78.6M | $74.8M | +42.5% |
| FY 2023 | $190.2M | -4.6% | $135.8M | $58.6M | -22.0% | $3.08 | -21.6% | $64.1M | $58.5M | -21.9% |
| FY 2024 | $171.8M | -9.7% | $80.4M | $48.8M | -16.7% | $2.57 | -16.6% | $59.4M | $54.6M | -6.7% |
| FY 2025 | $187.9M | +9.4% | $97.5M | $61.1M | +25.2% | $3.25 | +26.5% | $57.6M | $45.7M | -16.2% |
Valuation
Market Price
$57.48
Market Cap
$996.24M
Enterprise Value
N/A
P/E Ratio
17.69
P/B Ratio
1.46
FCF Yield
4.59%
Dividend Yield
2.57%
Shares Outstanding
Profitability & Margins
Gross Margin
51.87%
Operating Margin
43.00%
Net Margin
32.53%
Return on Equity (ROE)
8.90%
Return on Assets (ROA)
0.95%
Asset Turnover
0.03x
Revenue 3-Yr CAGR
-1.96%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$730.43M
Total Debt
N/A
Book Value / Share
$39.29
Cash Flow Efficiency
Operating Cash Flow
$57.60M
Capital Expenditures (CapEx)
$11.87M
Free Cash Flow
$45.74M
OCF / Revenue
30.65%
FCF / Revenue
24.34%
FCF 3-Yr CAGR
-15.14%
Per Share Metrics
EPS (Diluted)
$3.25
EPS (Basic)
$3.26
Dividends / Share
$1.48
Book Value / Share
$39.29
EPS YoY Growth
26.46%
Balance Sheet (FY 2025)
Total Assets
$6.44B
Total Liabilities
$9.82M
Stockholders' Equity
$686.59M
Current Assets
N/A
Current Liabilities
N/A