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Trustco Bank Corp logo

Trustco Bank Corp

TRST

TrustCo Bank Corp NY is a savings and loan holding company that operates primarily through its subsidiary, Trustco Bank.

Market cap
$932.27M+35.6%
Revenue$197.0M+10.2%
Net income$65.1M+21.7%
Free cash flow$59.8M+21.4%
EPS (diluted)$3.59+27.3%
Trailing twelve months · change vs. prior year

Earnings

Q2 2026 report

July 21, 2026
Revenue$50.7MEPS$0.98

Next report

Oct 20, 2026 (In 2 weeks)

Financials

Q2 2026

Income statement

See full
Revenue$51.5M+10.5%
Net income$17.0M+12.8%
EPS (diluted)$0.98+24.1%

Balance sheet

See full
Cash & equivalents$696.6M-2.4%
Total debt$144.7M+18.9%
Total equity$656.0M-5.3%
Total assets$6.5B+2.8%

Cash flow

See full
Operating cash flow$28.0M+3.5%
CapEx$2.5M+17.5%
Free cash flow$25.5M+2.3%

Valuation & ratios

Valuation

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Market cap$932.27M+35.6%
Enterprise value$380.37M+233%
P/E14.3×+2.5×
P/S4.7×+1.1×

Profitability

See full
Net margin33%+3.1pp
FCF margin30.3%+2.8pp

Returns & leverage

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Return on equity9.6%+1.7pp
Debt / equity0.2×0.0×

Segments

By product

See full
Wealth Management Fees$2.0M+8.9%
Interchange Income$1.1M-2.8%
Other$717.0K+23.8%
Overdraft Fees$690.0K+3.4%

Competitors

By market cap

JPMorgan Chase logo
JPMorgan Chase$885.65B+4.7%
Bank of America logo
Bank of America$375.72B+0.5%
KeyCorp logo
KeyCorp$21.4B+5.8%
STB
S&T Bancorp$1.7B+21.2%
CTB
Community Trust Bancorp$1.4B+37.1%
Trustco Bank Corp logo
Trustco Bank Corp$932.3M+38.4%
Washington Trust Bancorp logo
Washington Trust Bancorp$720.6M+32.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.$380.7M+38.8%

By revenue growth

KeyCorp logo
KeyCorp+51.7%
JPMorgan Chase logo
JPMorgan Chase+13.5%
CTB
Community Trust Bancorp+12.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.+12.5%
Washington Trust Bancorp logo
Washington Trust Bancorp+11.4%
Bank of America logo
Bank of America+10.7%
Trustco Bank Corp logo
Trustco Bank Corp+10.2%
STB
S&T Bancorp+8.1%

By net margin

CTB
Community Trust Bancorp36.13%+1.6pp
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.34.76%+4.7pp
STB
S&T Bancorp33.84%-0.2pp
Trustco Bank Corp logo
Trustco Bank Corp33.03%+3.1pp
JPMorgan Chase logo
JPMorgan Chase32.63%+0.4pp
Bank of America logo
Bank of America27.79%+2.3pp
KeyCorp logo
KeyCorp26.07%+22.6pp
Washington Trust Bancorp logo
Washington Trust Bancorp23.67%+35.3pp

Profile

TrustCo Bank Corp NY is a savings and loan holding company that operates primarily through its subsidiary, Trustco Bank. The company provides a broad range of community-oriented banking services, including residential and commercial lending, deposit products, and wealth management. Its core value proposition centers on a community-based model that emphasizes personalized financial relationships and a conservative portfolio-based lending strategy.

Competitive position

The company is the largest for-profit depository institution headquartered in the Capital District area of New York State, leveraging a community-based relationship model against super-regional and money center banks.

GeographiesNew York, Florida, Massachusetts, New Jersey, Vermont
Customer segmentsRetail consumers, Commercial enterprises, Trust and estate clients
Business modelInterest-spread banking, Asset management fees, Fiduciary services
SuppliersFederal Reserve System, Federal Home Loan Bank of New York, Depositors, Technology and core banking software providers
CustomersResidential homebuyers, Local businesses, Real estate developers, Trust beneficiaries
CountryUnited States of America
Listed1983
Employees761.0
CEORobert Joseph McCormick
SectorFinancial Services
IndustryBanks - Regional
Websitetrustcobank.com
FilingsSEC EDGAR

FAQ

What is Trustco Bank Corp's market cap?
Trustco Bank Corp (TRST) has a market capitalization of $932.3M and trades on NASDAQ.
What is Trustco Bank Corp's revenue and profitability?
Trustco Bank Corp generated $197.0M in trailing twelve-month revenue with net income of $65.1M, representing a net margin of 33.0%, with free cash flow of $59.8M. The latest reported period is Q2 2026.
Who are Trustco Bank Corp's competitors?
Trustco Bank Corp's key competitors include JPMorgan Chase & Co., Bank of America Corp., KeyCorp, and others. These companies compete in similar markets and product categories.
Who does Trustco Bank Corp partner with?
Trustco Bank Corp's notable partners include Federal Home Loan Bank of New York.
What subsidiaries does Trustco Bank Corp have?
Trustco Bank Corp's subsidiaries include Trustco Bank, Trustco Realty Corp., ORE Subsidiary Corp., and others.
Where is Trustco Bank Corp headquartered?
Trustco Bank Corp is headquartered in United States of America and employs approximately 761 people. It has been publicly traded since 1983.