Financial Services
Live Price
Offline$52.24
+1.10% today
1Y Change
+64.69%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
TrustCo Bank Corp NY (TRST) is a Financial Services stock with a market cap of $850.00M and listed on NASDAQ. The stock last traded around $52.24 and up 64.7% across the available one-year price window (Jun 23, 2025 → Jun 18, 2026). Baseline metrics include revenue growth of +5.8%, EPS growth of +26.5%, a dividend yield of 3.1%. What stands out right now is revenue +5.8%, EPS +26.5%, free cash flow -16.2% with operating margin 29.9% and ROIC 1.0%. The dividend matters to the case here, with a current yield around 3.1%. Valuation is more restrained than many high-expectation growth names at P/E 13.6 and price/sales 3.0. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines TRST price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TRST
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
TRST Max Drawdown
-14.91%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for TRST and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$185.9M
-9.7% YoY
FY Net Income
$61.5M
-18.2% YoY
Free Cash Flow
$52.5M
-29.8% YoY
Revenue Growth
+5.8%
EPS Growth
+26.5%
Gross Margin
67.6%
Net Margin
22.4%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 278M | 263M | 245M | 206M | 186M |
| Gross Profit | 187M | 170M | 189M | 200M | 184M |
| Operating Income | 81M | 64M | 78M | 99M | 82M |
| EBITDA | 90M | 75M | 88M | 110M | 93M |
| Net Income | 61M | 49M | 59M | 75M | 62M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 51M | 47M | 49M | 43M | 48M |
| Total Assets | 6.4B | 6.2B | 6.2B | 6.0B | 6.2B |
| Total Liabilities | 5.8B | 5.6B | 5.5B | 5.4B | 5.6B |
| Shareholder Equity | 687M | 676M | 645M | 600M | 601M |
| Total Debt | 193M | 125M | 133M | 294M | 297M |
| Net Debt | 142M | 78M | 84M | 251M | 249M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
55M
-29.6% YoY
Capital Expenditures
3M
+25.0% YoY
Free Cash Flow
53M
-29.8% YoY
Key ratios
Gross Margin
67.6%
Operating Margin
29.9%
Net Margin
22.4%
ROE
9.2%
Debt / Equity
0.22x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.