What is Trustco Bk Corp N Y's earnings per share (EPS)?

Trustco Bk Corp N Y (TRST) reported diluted earnings per share of $3.25 for fiscal year 2025. This represents a 26.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Trustco Bk Corp N Y Financials

TRST

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Trustco Bk Corp N Y (TRST) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 36/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Trustco Bk Corp N Y's revenue grew 6.6% year-over-year to $259.4M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

Trustco Bk Corp N Y has elevated debt relative to equity (D/E of 8.38), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Trustco Bk Corp N Y converts 17.6% of revenue into free cash flow ($45.7M). This strong cash generation earns a score of 69/100.

Returns

Trustco Bk Corp N Y's ROE of 8.9% shows moderate profitability relative to equity, earning a score of 31/100. This is up from 7.2% the prior year.

Piotroski F-Score Neutral

5/9

Trustco Bk Corp N Y passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Trustco Bk Corp N Y generates $0.94 in operating cash flow ($57.6M OCF vs $61.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$259.4M

YoY+6.6%

5Y CAGR+7.8%

10Y CAGR+5.0%

Trustco Bk Corp N Y generated $259.4M in revenue in fiscal year 2025. This represents an increase of 6.6% from the prior year.

EBITDA

N/A

Net Income

$61.1M

YoY+25.2%

5Y CAGR+3.1%

10Y CAGR+3.8%

Trustco Bk Corp N Y reported $61.1M in net income in fiscal year 2025. This represents an increase of 25.2% from the prior year.

EPS (Diluted)

$3.25

YoY+26.5%

5Y CAGR+3.6%

10Y CAGR+22.0%

Trustco Bk Corp N Y earned $3.25 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$45.7M

YoY-16.2%

5Y CAGR-4.7%

10Y CAGR-2.0%

Trustco Bk Corp N Y generated $45.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 16.2% from the prior year.

Cash & Debt

$730.4M

YoY+13.8%

5Y CAGR-8.0%

10Y CAGR+0.2%

Trustco Bk Corp N Y held $730.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.48

YoY+2.8%

5Y CAGR+1.7%

10Y CAGR+18.9%

Trustco Bk Corp N Y paid $1.48 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.

Shares Outstanding

18M

YoY-5.2%

5Y CAGR-1.3%

Trustco Bk Corp N Y had 18M shares outstanding in fiscal year 2025. This represents a decrease of 5.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

23.6%

YoY+3.5pp

5Y CAGR-5.9pp

10Y CAGR-2.9pp

Trustco Bk Corp N Y's net profit margin was 23.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.5 percentage points from the prior year.

Return on Equity

8.9%

YoY+1.7pp

5Y CAGR-0.3pp

10Y CAGR-1.3pp

Trustco Bk Corp N Y's ROE was 8.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$38.1M

YoY+10096.3%

5Y CAGR+61.3%

10Y CAGR+74.3%

Trustco Bk Corp N Y spent $38.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 10096.3% from the prior year.

Capital Expenditures

$11.9M

YoY+142.9%

5Y CAGR+25.4%

10Y CAGR+12.2%

Trustco Bk Corp N Y invested $11.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 142.9% from the prior year.

TRST Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$259.4M+6.6%	$243.3M+7.6%	$226.2M+21.2%	$186.6M+11.1%	$168.0M-5.8%	$178.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$90.4M-1.0%	$91.4M+68.1%	$54.4M+740.6%	$6.5M-14.6%	$7.6M-69.3%	$24.7M
Income Tax	$19.7M+29.3%	$15.2M-19.8%	$19.0M-21.6%	$24.2M+17.3%	$20.6M+21.3%	$17.0M
Net Income	$61.1M+25.2%	$48.8M-16.7%	$58.6M-22.0%	$75.2M+22.3%	$61.5M+17.3%	$52.5M
EPS (Diluted)	$3.25+26.5%	$2.57-16.6%	$3.08-21.6%	$3.93+23.2%	$3.19+17.3%	$2.72

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$66.1M+0.1%	$66.0M+2.4%	$64.5M+2.6%	$62.8M+1.5%	$61.9M+1.4%	$61.1M+0.8%	$60.6M+1.4%	$59.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.4M-2.4%	$22.9M+0.8%	$22.7M+1.3%	$22.4M-2.4%	$23.0M+2.7%	$22.4M-1.8%	$22.8M-1.6%	$23.2M
Income Tax	$5.5M+8.5%	$5.1M+7.9%	$4.7M+5.5%	$4.4M+28.2%	$3.5M-14.0%	$4.0M+2.5%	$3.9M+3.6%	$3.8M
Net Income	$15.6M-4.3%	$16.3M+8.1%	$15.0M+5.4%	$14.3M+26.5%	$11.3M-12.4%	$12.9M+2.6%	$12.6M+3.5%	$12.1M
EPS (Diluted)	N/A	$0.86+8.9%	$0.79+5.3%	$0.75	N/A	$0.68+3.0%	$0.66+3.1%	$0.64

TRST Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.4B+3.2%	$6.2B+1.1%	$6.2B+2.8%	$6.0B-3.2%	$6.2B+5.0%	$5.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$730.4M+13.8%	$641.8M+11.0%	$578.0M-11.2%	$650.6M-46.6%	$1.2B+10.2%	$1.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$5.8B+3.4%	$5.6B+0.7%	$5.5B+2.3%	$5.4B-3.5%	$5.6B+4.9%	$5.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$686.6M+1.5%	$676.3M+4.8%	$645.3M+7.5%	$600.0M-0.2%	$601.1M+5.8%	$568.2M
Retained Earnings	$480.0M+7.5%	$446.5M+5.0%	$425.1M+7.9%	$393.8M+12.8%	$349.1M+11.2%	$314.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.4B+1.4%	$6.3B0.0%	$6.3B+0.2%	$6.3B+1.6%	$6.2B+2.1%	$6.1B0.0%	$6.1B-1.2%	$6.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$730.4M+5.0%	$695.6M-2.5%	$713.6M-5.6%	$756.1M+17.8%	$641.8M+22.7%	$523.0M-2.5%	$536.1M-12.1%	$609.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$5.8B+1.7%	$5.7B0.0%	$5.7B+0.1%	$5.7B+1.6%	$5.6B+2.2%	$5.4B-0.2%	$5.5B-1.4%	$5.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$686.6M-0.8%	$692.0M-0.1%	$692.8M+0.7%	$687.8M+1.7%	$676.3M+1.1%	$669.0M+2.1%	$655.2M+0.9%	$649.2M
Retained Earnings	$480.0M+1.8%	$471.3M+2.0%	$462.2M+1.8%	$453.9M+1.7%	$446.5M+1.0%	$442.1M+1.4%	$436.0M+1.3%	$430.3M

TRST Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$57.6M-3.1%	$59.4M-7.3%	$64.1M-18.4%	$78.6M+42.0%	$55.4M-10.9%	$62.2M
Capital Expenditures	$11.9M+142.9%	$4.9M-13.8%	$5.7M+49.7%	$3.8M+33.3%	$2.8M-25.8%	$3.8M
Free Cash Flow	$45.7M-16.2%	$54.6M-6.7%	$58.5M-21.9%	$74.8M+42.5%	$52.5M-9.9%	$58.3M
Investing Cash Flow	-$104.7M-2691.3%	-$3.8M+98.4%	-$233.6M+43.9%	-$416.6M-137.7%	-$175.3M-395.8%	-$35.3M
Financing Cash Flow	$135.7M+1571.8%	$8.1M-91.6%	$96.9M+142.0%	-$230.9M-199.4%	$232.3M-62.7%	$623.4M
Dividends Paid	$27.6M+0.8%	$27.4M+0.1%	$27.4M+1.5%	$27.0M+2.7%	$26.3M-0.2%	$26.3M
Share Buybacks	$38.1M+10096.3%	$374K	$0-100.0%	$7.0M+193.5%	$2.4M-31.7%	$3.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$16.5M+28.7%	$12.8M-52.7%	$27.1M+2013.4%	$1.3M-91.1%	$14.3M-13.0%	$16.5M-11.9%	$18.7M+89.2%	$9.9M
Capital Expenditures	$2.4M-15.3%	$2.8M+32.8%	$2.1M-53.4%	$4.5M+93.9%	$2.3M+152.3%	$929K-16.3%	$1.1M+121.6%	$501K
Free Cash Flow	$14.1M+41.0%	$10.0M-59.9%	$24.9M+863.6%	-$3.3M-127.2%	$12.0M-22.9%	$15.6M-11.6%	$17.6M+87.4%	$9.4M
Investing Cash Flow	-$51.4M-173.3%	-$18.8M+63.2%	-$51.2M-406.1%	$16.7M+293.0%	-$8.7M+26.2%	-$11.7M-430.9%	-$2.2M-111.7%	$18.9M
Financing Cash Flow	$69.8M+680.5%	-$12.0M+34.8%	-$18.4M-119.1%	$96.3M-14.9%	$113.2M+732.3%	-$17.9M+80.1%	-$90.1M-3177.5%	$2.9M
Dividends Paid	$7.1M+4.4%	$6.8M-0.4%	$6.8M-0.1%	$6.8M-0.2%	$6.9M+0.1%	$6.9M+0.1%	$6.8M0.0%	$6.8M
Share Buybacks	$21.3M+84.3%	$11.5M	N/A	N/A	$0	$0	N/A	N/A

TRST Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.6%+3.5pp	20.1%-5.9pp	25.9%-14.4pp	40.3%+3.7pp	36.6%+7.2pp	29.4%
Return on Equity	8.9%+1.7pp	7.2%-1.9pp	9.1%-3.5pp	12.5%+2.3pp	10.2%+1.0pp	9.2%
Return on Assets	0.9%+0.2pp	0.8%-0.2pp	0.9%-0.3pp	1.3%+0.3pp	1.0%+0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.38+0.2	8.22-0.3	8.56-0.4	9.00-0.3	9.31-0.1	9.39
FCF Margin	17.6%-4.8pp	22.4%-3.4pp	25.9%-14.3pp	40.1%+8.8pp	31.3%-1.5pp	32.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.5%-1.1pp	24.6%+1.3pp	23.3%+0.6pp	22.7%+4.5pp	18.2%-2.9pp	21.1%+0.4pp	20.7%+0.4pp	20.3%
Return on Equity	2.3%-0.1pp	2.4%+0.2pp	2.2%+0.1pp	2.1%+0.4pp	1.7%-0.2pp	1.9%0.0pp	1.9%+0.0pp	1.9%
Return on Assets	0.2%-0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%-0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.38+0.2	8.17+0.0	8.16-0.1	8.220.0	8.22+0.1	8.13-0.2	8.32-0.2	8.52
FCF Margin	21.3%+6.2pp	15.1%-23.5pp	38.7%+43.9pp	-5.2%-24.6pp	19.4%-6.1pp	25.5%-3.6pp	29.1%+13.3pp	15.7%

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Frequently Asked Questions

What is Trustco Bk Corp N Y's annual revenue?

Trustco Bk Corp N Y (TRST) reported $259.4M in total revenue for fiscal year 2025. This represents a 6.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Trustco Bk Corp N Y's revenue growing?

Trustco Bk Corp N Y (TRST) revenue grew by 6.6% year-over-year, from $243.3M to $259.4M in fiscal year 2025.

Is Trustco Bk Corp N Y profitable?

Yes, Trustco Bk Corp N Y (TRST) reported a net income of $61.1M in fiscal year 2025, with a net profit margin of 23.6%.

What is Trustco Bk Corp N Y's net profit margin?

Trustco Bk Corp N Y (TRST) had a net profit margin of 23.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Trustco Bk Corp N Y pay dividends?

Yes, Trustco Bk Corp N Y (TRST) paid $1.48 per share in dividends during fiscal year 2025.

What is Trustco Bk Corp N Y's return on equity (ROE)?

Trustco Bk Corp N Y (TRST) has a return on equity of 8.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Trustco Bk Corp N Y's free cash flow?

Trustco Bk Corp N Y (TRST) generated $45.7M in free cash flow during fiscal year 2025. This represents a -16.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Trustco Bk Corp N Y's operating cash flow?

Trustco Bk Corp N Y (TRST) generated $57.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Trustco Bk Corp N Y's total assets?

Trustco Bk Corp N Y (TRST) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Trustco Bk Corp N Y's capital expenditures?

Trustco Bk Corp N Y (TRST) invested $11.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Trustco Bk Corp N Y buy back shares?

Yes, Trustco Bk Corp N Y (TRST) spent $38.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Trustco Bk Corp N Y have outstanding?

Trustco Bk Corp N Y (TRST) had 18M shares outstanding as of fiscal year 2025.

What is Trustco Bk Corp N Y's debt-to-equity ratio?

Trustco Bk Corp N Y (TRST) had a debt-to-equity ratio of 8.38 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Trustco Bk Corp N Y's return on assets (ROA)?

Trustco Bk Corp N Y (TRST) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Trustco Bk Corp N Y's Piotroski F-Score?

Trustco Bk Corp N Y (TRST) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Trustco Bk Corp N Y's earnings high quality?

Trustco Bk Corp N Y (TRST) has an earnings quality ratio of 0.94x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Trustco Bk Corp N Y?

Trustco Bk Corp N Y (TRST) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.