TRST
TrustCo Bank Corp NY · Financials · Banks - Regional
Last
$43.56
−$1.31 (−2.92%) 4:00 PM ET
Pre-market $43.37 −$0.19 (−0.43%) 8:14 AM ET
Prev close $44.87
Open $44.24
Day high $44.90
Day low $43.07
Volume 137,028
Avg vol 119,103
Mkt cap
$781.92M
P/E ratio
14.52
FY Revenue
$274.16M
EPS
3.00
Gross Margin
66.77%
Sector
Financials
AI report sections
TRST
TrustCo Bank Corp NY
Trustco Bank Corp NY exhibits steady price appreciation over 6–12 months supported by constructive momentum indicators while remaining below its 52-week high. Fundamentals show solid profitability, positive earnings growth, and healthy free cash flow generation alongside slower revenue expansion and a recent dip in operating cash flow growth. Valuation appears moderate on earnings and book value metrics with a notable dividend yield but is balanced by only modest returns on assets and equity.
AI summarized at 1:44 PM ET, 2026-02-03
AI summary scores
INTRADAY: 63 SWING: 72 LONG: 78
Volume vs average
Intraday (cumulative)
+30% (Above avg)
Vol/Avg: 1.30×
RSI
51.85 (Neutral)
Neutral (40–60)
MACD momentum
Intraday
+0.04 (Strong)
MACD: 0.04 Signal: 0.00
Short-Term
-0.16 (Weak)
MACD: 0.37 Signal: 0.53
Long-Term
-0.06 (Weak)
MACD: 0.74 Signal: 0.80
Intraday trend score 42.32

Latest news

TRST 12 articles Positive: 12 Neutral: 0 Negative: 0
Positive GlobeNewswire Inc. • Na
Delivering Shareholder Value, TrustCo Declares Dividend; Quarterly Payment of $0.38 Per Share

TrustCo Bank Corp NY declared a quarterly cash dividend of $0.38 per share ($1.52 annualized) payable April 1, 2026. The $6.4 billion savings and loan holding company, operating 134 offices across five states, reported strong performance with net income of $15.6 million in Q4 2025, up 38% year-over-year. Management emphasized the dividend as part of their long-term shareholder value strategy alongside share repurchases.

TRST dividend declaration quarterly cash dividend shareholder returns net income growth capital management share repurchase program savings and loan holding company
Sentiment note

The company declared a dividend increase (annualized basis of $1.52), reported strong Q4 2025 net income growth of 38% year-over-year, and management expressed confidence in delivering solid business results. The positive financial performance and commitment to shareholder returns through dividends and buybacks support a positive sentiment.

Positive The Motley Fool • Motley Fool Transcribing
TrustCo (TRST) Q4 2025 Earnings Call Transcript

TrustCo Bank reported strong Q4 2025 results with net income up 38% year-over-year to $15.6 million, driven by net interest income growth of 12.4% and margin expansion of 22 basis points. The bank achieved record-high average loans of $5.2 billion with 2.5% growth, increased deposits to $5.6 billion, and returned significant capital to shareholders through a $1 million share repurchase program. Management expects 2026 non-interest expenses of $27.7-$28.2 million per quarter and continues expansion efforts in Florida's Pasco County.

TRST earnings net income growth net interest margin expansion loan growth deposit growth share repurchase capital return
Sentiment note

Strong financial performance with 38% net income growth, 12.4% net interest income increase, margin expansion of 22 basis points, record-high loan portfolio of $5.2 billion, solid deposit growth, improved asset quality with net recoveries, and robust capital return to shareholders through expanded share repurchase authorization. Management confidence reflected in renewed buyback program allowing up to 11.1% additional share repurchases in 2026.

Positive GlobeNewswire Inc. • Na
TrustCo to Release Fourth Quarter 2025 Results on January 21, 2026; Conference Call on January 22, 2026

TrustCo Bank Corp NY announced it will release its fourth quarter 2025 financial results on January 21, 2026, followed by a conference call on January 22, 2026. The $6.3 billion savings and loan holding company operates 134 offices across five states and continues to maintain shareholder returns through dividends and stock repurchase programs.

TRST earnings release fourth quarter 2025 conference call savings and loan holding company shareholder returns dividend stock repurchase
Sentiment note

The company is maintaining strong shareholder commitment through consistent quarterly dividends (over 120 years of uninterrupted payments), announcing a new stock repurchase program, and demonstrating operational stability with $6.3 billion in assets and 134 offices across multiple states. These actions indicate financial health and management confidence.

Positive GlobeNewswire Inc. • Na
TrustCo Bank Corp NY Announces Two-Million Share Stock Repurchase Program

TrustCo Bank Corp NY announced Board approval of a new stock repurchase program authorizing up to 2 million shares (approximately 11% of outstanding shares) to be repurchased over the next 12 months. The company completed a previous 1 million share buyback program in 2025. CEO Robert McCormick stated the repurchases reflect confidence in the company's business model and capital-building strategy, aimed at increasing shareholder value.

TRST stock repurchase share buyback shareholder value capital allocation savings bank dividend
Sentiment note

The company is executing a substantial share repurchase program (2 million shares, ~11% of outstanding), demonstrating management confidence in the business model and financial strength. The completion of a previous 1 million share buyback and announcement of strong financial metrics (26.3% net income increase, 11.5% net interest income growth) indicate solid operational performance and capital position to support shareholder returns.

Positive Benzinga • Globe Newswire
TrustCo Reinforces Commitment to Shareholders with Quarterly Dividend; Highlighting Over 120 Years of Uninterrupted Payments

TrustCo Bank Corp NY declared a quarterly cash dividend of $0.38 per share, highlighting its 120-year history of uninterrupted dividend payments. The dividend will be payable on January 2, 2026 to shareholders of record as of December 5, 2025.

TRST dividend banking financial performance shareholder value
Sentiment note

The company emphasized its financial strength, consistent dividend payments, and commitment to shareholder value, indicating a positive outlook and stable financial performance

Positive The Motley Fool • Motley Fool Transcribing
TrustCo (TRST) Q3 2025 Earnings Call Transcript

TrustCo Bank reported strong Q3 2025 financial results, with 26.3% increase in net income, improved asset quality, and steady loan growth across residential and commercial segments. The bank completed nearly half of a 1-million-share repurchase program and maintains a disciplined approach to lending.

TRST earnings banking loan growth share repurchase net income
Sentiment note

Strong financial performance with increased net income, improved asset quality, loan growth of 2.5%, deposit growth of $217 million, and strategic share repurchase program indicating management confidence

Positive GlobeNewswire Inc. • Trustco Bank Corp Ny
TrustCo to Release Third Quarter 2025 Results on October 21, 2025; Conference Call on October 22, 2025

TrustCo Bank Corp NY will release its Q3 2025 financial results on October 21, 2025, followed by a conference call on October 22, 2025. The bank operates 136 offices across five states and is a $6.3 billion savings and loan holding company.

TRST financial results earnings call banking quarterly report
Sentiment note

The article highlights the bank's stable financial position, planned transparent earnings communication, and ongoing business operations across multiple states, indicating a confident and growth-oriented stance

Positive GlobeNewswire Inc. • Robert M. Leonard
Dividend Increase of 5.6%: Trustco Shareholders Benefit From Corporate Success As Company Announces Increased Payout

TrustCo Bank Corp NY announced a 5.6% quarterly dividend increase to $0.38 per share, payable on October 1, 2025. The bank highlighted strong corporate performance and continued commitment to shareholder value.

TRST dividend banking financial performance shareholder value
Sentiment note

The company demonstrated strong financial performance with a dividend increase, net income growth of 19.8%, and a confident leadership statement about long-term shareholder value

Positive Benzinga • Globe Newswire
Strong First Quarter Supports TrustCo's Declaration of Dividend; Continues Reliable Payout

TrustCo Bank Corp NY (TRST) declared a quarterly cash dividend of $0.36 per share, continuing its reliable payout tradition since 1904. The company's strong first-quarter performance enabled this distribution to shareholders.

TRST dividend payout performance
Sentiment note

The company declared a quarterly cash dividend, continuing its reliable payout tradition since 1904, which indicates strong financial performance and shareholder-friendly policies.

Positive GlobeNewswire Inc. • N/A
Strong First Quarter Supports TrustCo’s Declaration of Dividend; Continues Reliable Payout

TrustCo Bank Corp NY reported a 17.7% increase in net income for the first quarter of 2025, driven by loan portfolio repricing and well-managed cost of funds.

TRST TrustCo Bank Corp NY earnings loan portfolio cost of funds
Sentiment note

The article reports a 17.7% increase in net income for TrustCo Bank Corp NY, indicating strong financial performance and growth.

Positive Benzinga • Globe Newswire
UPDATE: TrustCo Announces First Dividend of 2025; Continues Annualized Payout of $1.44 per share

TrustCo Bank Corp NY announced its first dividend of 2025, continuing its annualized payout of $1.44 per share. The company's CEO expressed optimism about the year ahead and highlighted the bank's long history of reliable dividend payments.

TRST TrustCo Bank Corp NY dividend annualized payout
Sentiment note

The article highlights the company's continued dividend payments, which the CEO describes as a 'TrustCo hallmark' that provides 'positive financial benefits' to investors. This suggests the company is in a stable financial position and able to maintain its dividend payout.

Positive GlobeNewswire Inc. • N/A
UPDATE: TrustCo Announces First Dividend of 2025; Continues Annualized Payout of $1.44 per share

TrustCo Bank Corp NY (TRST) has declared a quarterly cash dividend of $0.36 per share, or $1.44 per share on an annualized basis, payable on April 1, 2025 to shareholders of record as of March 7, 2025. The company's CEO expressed optimism about the company's performance and its ability to deliver a reliable dividend.

TRST TrustCo Bank Corp NY dividend financial performance
Sentiment note

The company has declared a quarterly cash dividend, indicating strong financial performance and the ability to return value to shareholders. The CEO's comments also express optimism about the company's future prospects.

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