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Trustco Bank Corp TRST Q2 2025 earnings

Reported July 21, 2025 · After market close

Revenue$46.6MBeat by $438.0K
EPS$0.79Beat by $0.10
Revenue estimate$46.2M
EPS estimate$0.69

Next report

Oct 20, 2026 (In 2 weeks)

Financials

Q2 2025

Income statement

See full
Revenue$46.6M+7.3%
Net income$15.0M+19.8%
EPS (diluted)$0.79+19.7%

Balance sheet

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Cash & equivalents$713.6M+33.1%
Total debt$121.7M-7.6%
Total equity$692.8M+5.7%
Total assets$6.3B+4.0%

Cash flow

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Operating cash flow$27.1M+44.5%
CapEx$2.1M+91.0%
Free cash flow$24.9M+41.6%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$612.82M+12.0%
Enterprise value$20.95M-85.3%
P/E11.5×+0.3×
P/S3.4×+0.3×

Profitability

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Net margin29.9%+1.7pp
FCF margin27.5%-2.7pp

Returns & leverage

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Return on equity7.9%+0.2pp
Debt / equity0.2×0.0×

Segments

By product

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Wealth Management Fees$1.8M+13.0%
Interchange Income$1.1M-15.3%
Overdraft Fees$667.0K+2.0%
Other$579.0K+11.3%

FAQ

When did Trustco Bank Corp report Q2 2025 earnings?
Trustco Bank Corp (TRST) reported Q2 2025 earnings on July 21, 2025 after market close.
What were Trustco Bank Corp's Q2 2025 revenue and EPS?
Trustco Bank Corp reported revenue of $46.6M and eps of $0.79 for Q2 2025.
Did Trustco Bank Corp beat estimates in Q2 2025?
Revenue beat the consensus estimate of $46.2M by $438.0K. EPS beat the consensus estimate of $0.69 by $0.10.
How did Trustco Bank Corp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $43.4M a year earlier and eps grew 19.7% from $0.66.
Where can I find Trustco Bank Corp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-026603) and the 10-Q periodic report (0001140361-25-029804) directly on SEC EDGAR. The filing index links above go to sec.gov.