TrustCo Bank Corp NY (TRST) Earnings History
Profitable37 years of earnings data (1989–2025) · Positive TTM net income
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TrustCo Bank Corp NY (TRST) Earnings Overview
As of July 8, 2026, TrustCo Bank Corp NY (TRST) reported trailing twelve-month net income of $63M, reflecting +26.5% year-over-year growth. The company earned $3.53 per diluted share over the past four quarters, with a net profit margin of 22.0%.
Looking at the long-term picture, TRST's 5-year EPS compound annual growth rate (CAGR) stands at +3.6%, reflecting modest earnings expansion. The company achieved its highest annual net income of $75M in fiscal 2022.
TrustCo Bank Corp NY maintains industry-leading profitability with a gross margin of 67.1%, operating margin of 29.2%, and net margin of 22.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), CBSH ($576M net income, 26.5% margin), FISI ($79M net income, 19.8% margin), TRST has outperformed on profitability metrics. Compare TRST vs NBTB →
TRST Earnings vs Peers
Earnings metrics vs comparable public companies
TRST Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $61M | +25.2% | $81M | $3.25 | 22.0% | 29.2% |
| 2024 | $49M | -16.7% | $64M | $2.57 | 18.6% | 24.3% |
| 2023 | $59M | -22.0% | $78M | $3.08 | 24.0% | 31.7% |
| 2022 | $75M | +22.3% | $99M | $3.93 | 36.5% | 48.3% |
| 2021 | $62M | +17.3% | $82M | $3.19 | 33.1% | 44.2% |
| 2020 | $52M | -9.3% | $69M | $2.72 | 26.8% | 35.5% |
| 2019 | $58M | -5.9% | $77M | $2.98 | 27.4% | 36.3% |
| 2018 | $61M | +42.4% | $80M | $3.18 | 30.9% | 40.0% |
| 2017 | $43M | +1.3% | $77M | $2.24 | 23.0% | 41.0% |
| 2016 | $43M | +0.9% | $68M | $2.23 | 23.6% | 37.9% |
| 2015 | $42M | -4.4% | $67M | $2.22 | 23.8% | 37.7% |
| 2014 | $44M | +11.0% | $72M | $2.33 | 25.0% | 40.5% |
| 2013 | $40M | +6.1% | $64M | $2.11 | 23.3% | 37.2% |
| 2012 | $38M | +13.4% | $60M | $2.00 | 21.3% | 34.1% |
| 2011 | $33M | +12.8% | $52M | $1.95 | 18.4% | 29.2% |
| 2010 | $29M | +4.3% | $44M | $0.45 | 16.0% | 24.0% |
| 2009 | $28M | -17.5% | $43M | $1.84 | 15.6% | 24.0% |
| 2008 | $34M | -13.7% | $50M | $2.25 | 18.0% | 26.6% |
| 2007 | $39M | -12.9% | $58M | $2.63 | 19.0% | 28.0% |
| 2006 | $45M | -23.2% | $68M | $3.02 | 24.6% | 36.7% |
| 2005 | $59M | +4.3% | $90M | $3.91 | 33.6% | 51.2% |
| 2004 | $57M | +6.6% | $83M | $3.77 | 33.1% | 48.8% |
| 2003 | $53M | +7.7% | $76M | $3.52 | 31.8% | 45.8% |
| 2002 | $49M | +8.2% | $66M | $3.30 | 27.2% | 36.6% |
| 2001 | $46M | +9.1% | $65M | $3.10 | 23.4% | 33.7% |
| 2000 | $42M | +9.2% | $63M | $2.86 | 21.9% | 32.9% |
| 1999 | $38M | +9.1% | $58M | $2.58 | 20.9% | 31.7% |
| 1998 | $35M | +8.7% | $54M | $2.38 | 17.8% | 27.7% |
| 1997 | $32M | +12.2% | $51M | $2.90 | 17.0% | 27.0% |
| 1996 | $29M | +12.5% | $46M | $2.60 | 16.2% | 26.0% |
| 1995 | $26M | +11.4% | $38M | $1.76 | 14.5% | 21.8% |
| 1994 | $23M | +12.8% | $36M | $1.45 | 15.8% | 24.5% |
| 1993 | $20M | +16.0% | $36M | $1.44 | 13.3% | 23.6% |
| 1992 | $18M | +35.7% | $27M | $1.25 | 11.0% | 16.9% |
| 1991 | $13M | +21.7% | $18M | $1.21 | 11.7% | 16.1% |
| 1990 | $11M | +12.8% | $14M | $1.10 | 12.2% | 16.4% |
| 1989 | $9M | - | $13M | $0.98 | 11.8% | 16.1% |
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TRST — Frequently Asked Questions
Quick answers to the most common questions about buying TRST stock.
What is TRST earnings per share (EPS)?
TRST trailing twelve-month (TTM) diluted EPS is $3.53, reflecting +26.5% year-over-year growth. The 5-year EPS CAGR is +3.6%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is TrustCo Bank Corp NY's net income?
TrustCo Bank Corp NY (TRST) trailing twelve-month net income is $63M as of 2025. Earnings grew +26.5% year-over-year. TrustCo Bank Corp NY has been profitable for 37 consecutive years.
Is TRST profitable?
Yes, TRST is profitable with a TTM net income of $63M and a net profit margin of +22.0%. TrustCo Bank Corp NY has generated profits for 37 consecutive years.
What is TRST's earnings growth rate?
TRST compound annual EPS growth rates (CAGR): 1-Year: +26.5%, 3-Year: -6.1%, 5-Year: +3.6%, 10-Year: +3.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are TRST's profit margins?
TrustCo Bank Corp NY net profit margin is +22.0%, operating margin is +29.2%, and gross margin is +67.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.0%.
Is TRST growing earnings?
Yes, TRST earnings are accelerating — EPS growth of +26.5% exceeds the 5-year CAGR of +3.6%. TTM net income reached $63M. Earnings momentum is strengthening.
What was TRST's best earnings year?
TrustCo Bank Corp NY's highest annual net income on record is $75M, achieved in fiscal year 2022. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were TRST's earnings last quarter?
TRST's most recent reported quarter was Q1 2026. Net income was $16M with diluted EPS of $0.91. For a full breakdown of all quarters, see the quarterly earnings table on this page.