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Trustco Bank Corp TRST Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$70.5MBeat by $21.8M
EPS$0.85Beat by $0.05
Revenue estimate$48.7M
EPS estimate$0.80

Next report

Oct 20, 2026 (In 2 weeks)

Financials

Q4 2025

Income statement

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Revenue$48.2M+11.2%
Net income$15.6M+38.0%
EPS (diluted)$0.84+40.0%

Balance sheet

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Cash & equivalents$730.4M+13.8%
Total debt$156.4M+25.2%
Total equity$686.6M+1.5%
Total assets$6.4B+3.2%

Cash flow

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Operating cash flow$16.5M+14.9%
CapEx$2.4M+1.7%
Free cash flow$14.1M+17.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$761.46M+20.2%
Enterprise value$187.48M+61.1%
P/E12.5×-0.5×
P/S4.1×+0.4×

Profitability

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Net margin32.5%+4.1pp
FCF margin24.3%-7.4pp

Returns & leverage

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Return on equity9%+1.6pp
Debt / equity0.2×0.0×

Segments

By product

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Wealth Management Fees$2.0M+9.7%
Interchange Income$926.0K-9.0%
Overdraft Fees$729.0K-0.3%
Other$551.0K+3.4%

FAQ

When did Trustco Bank Corp report Q4 2025 earnings?
Trustco Bank Corp (TRST) reported Q4 2025 earnings on January 21, 2026 after market close.
What were Trustco Bank Corp's Q4 2025 revenue and EPS?
Trustco Bank Corp reported revenue of $70.5M and eps of $0.85 for Q4 2025.
Did Trustco Bank Corp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $48.7M by $21.8M. EPS beat the consensus estimate of $0.80 by $0.05.
How did Trustco Bank Corp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.3% from $66.3M a year earlier and eps grew 43.3% from $0.59.
Where can I find Trustco Bank Corp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001140361-26-001838) and the 10-K periodic report (0001140361-26-009576) directly on SEC EDGAR. The filing index links above go to sec.gov.