profit from every $100 of sales.
$0$100
TrustCo Bank Corp NY
$58.09+1.38% today
+48.5% in 1 year
1-year low $38.751-year high $59.11
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.70 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What TrustCo Bank Corp NY sold, what it kept, and what it did with the cash.
Sales went from $199 million in 2022 to $188 million in 2025, with $61.1 million of profit last year.
SalesProfit
TrustCo Bank Corp NY handed back more cash to shareholders than it generated last year.
Buybacks $38M$28M
Free cash flow 2025$46M
Bought back its own shares$38M
Paid as dividends$28M
Cash vs. debt$51M vs. $36M
TrustCo Bank Corp NY vs. similar companies
TrustCo Bank Corp NY grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| TrustCo Bank Corp NY | 15.7× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads TrustCo Bank Corp NY's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 199 | 190 | 172 | 188 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 75 | 59 | 49 | 61 | |
| 3.93 | 3.08 | 2.57 | 3.25 | |
| – | – | – | – | |
| – | – | – | – | |
| 37.7% | 30.8% | 28.4% | 32.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 6,000 | 6,168 | 6,239 | 6,441 |
| Cash | 43 | 49 | 47 | 51 |
| Total debt | 49 | 44 | 40 | 36 |
| Total liabilities | 5,400 | 5,523 | 5,562 | 5,754 |
| 600 | 645 | 676 | 687 | |
| 19 | 19 | 19 | 19 | |
| – | – | – | – | |
| 12.5% | 9.1% | 7.2% | 8.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 79 | 64 | 59 | 58 | |
| 4 | 6 | 5 | 12 | |
| 75 | 58 | 55 | 46 | |
| Dividends paid | 27 | 27 | 27 | 28 |
| 7 | 0 | 0 | 38 | |
| 0 | 0 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.7×
- –
- –
- 1.3×
- 5.1×
- 6.4%
- 3.0%
Profitability
- 32.5%
- 1.0%
- 7.2%
- 9.2%
- 1.0%
Growth
- −2.0%
- −6.1%
- +1.7%
- −1.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 843
Top 32%of 730
Bottom 41%of 866
Bottom 17%of 862
Bottom 42%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 21, 2026 | 0.91 | – | – |
| Jan 21, 2026 | 0.85 | 0.80 | +6.2% |
| Oct 21, 2025 | 0.86 | 0.73 | +17.8% |
| Jul 21, 2025 | 0.79 | 0.69 | +14.5% |
| Apr 21, 2025 | 0.75 | 0.65 | +15.4% |
| Jan 21, 2025 | 0.59 | 0.64 | −7.8% |
| Oct 21, 2024 | 0.68 | 0.57 | +19.3% |
| Jul 22, 2024 | 0.66 | 0.53 | +24.5% |
3.0%of the share price, paid each year
On $1,000 invested$30a year at today's yield, before tax
+1.7%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$1.31 in 2015 → $1.48 in 2025
How safe it looks
45.2% of its profit
Room to growStretchedMore than it earns: 60.4%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
51No pass
Benjamin Graham
67Pass
Philip Fisher
58No pass
Peter Lynch
30No pass
Joel Greenblatt
14No pass
Charlie Munger
54No pass
Terry Smith
42No pass
Questions about TrustCo Bank Corp NY
Is TrustCo Bank Corp NY a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the TrustCo Bank Corp NY AI analysis
What does TrustCo Bank Corp NY do?
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It is in Banks - Regional.
Does TrustCo Bank Corp NY pay a dividend?
Yes. At today's price the dividend is 3.0% a year, about 45% of its yearly profit. In 2025 it paid out $27.6 million in dividends.
Is TrustCo Bank Corp NY stock halal?
No. TrustCo Bank Corp NY does not pass our halal screen: its main business, banking, is not permitted. How we check
How has TrustCo Bank Corp NY stock done over the past year?
Up 48.5% over the past twelve months, to $58.09. It traded between $38.75 and $59.11, close to its high.
Who are TrustCo Bank Corp NY's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with TrustCo Bank Corp NY's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.