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Trustco Bank Corp N y (TRST) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Trustco Bank Corp N y (TRST) Q3 2026 earnings results →

Q3 2026 Revenue up 8% year over year to $51.9M · 33¢ of every $1 of revenue kept as net profit · operating margin 44.3%

Trustco Bank Corp N y made $51.9M in Q3 2026 (+8% Y/Y): Net interest income $47.0M, Noninterest income $4.8M. Operating margin 44.3%, net earnings $17.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$51.9M
Year over year+8%
Operating margin44.3%
Net earnings$17.3M
Operating cash flow$20.5M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $51.9M in Q3 2026, up 8% year over year and up 1% from the previous quarter. Net interest income was the largest line at 91% of revenue. Net interest income added $3.9M year over year (up 9%), 97% of the total change.

Operating profit was $23.0M, a 44.3% margin (down 0.3 points year over year). Of the extra revenue versus a year earlier, 41% reached operating profit, below the 45% margin then. Total costs grew 9% against revenue growth of 8%. The fastest-growing cost line was Credit loss provision (+240%). Net earnings were $17.3M, up 7% year over year. The effective tax rate was 24.7%.

Operating cash flow was $20.5M (up 60% year over year), 119% of net earnings. Non-cash charges added back $1.3M of depreciation and amortization and $475K of share-based compensation. Working capital and other items added $1.5M. Capital expenditures of $1.3M left free cash flow of $19.3M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$51.9M+8%44.3%$17.3M$20.5M

Charts

Trustco Bank Corp N y: where the cash came from (+) and went (−), TTM to Q3 2026Trustco Bank Corp N y: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$245MOther financing$203MBuybacks−$98.7MCash drawn (+) / kept (−)$98.2MOperating cash flow$76.8MDividends−$27.2MCapital spending−$7.8MNet borrowing (+) / repaid (−)$359KTaxes on employees’ shares−$281KAsset & business sales$74K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Trustco Bank Corp N y: profit against cash, quarter by quarterTrustco Bank Corp N y: profit against cash, quarter by quarterNet incomeOperating cash flow$11.3M$14.3MQ4 2024$14.3M$1.3MQ1 2025$15.0M$27.1MQ2 2025$16.3M$12.8MQ3 2025$15.6M$16.5MQ4 2025$16.3M$11.8MQ1 2026$17.0M$28.0MQ2 2026$17.3M$20.5MQ3 2026
Latest (Q3 2026): Net income $17.3M, Operating cash flow $20.5M.
Trustco Bank Corp N y: diluted shares by fiscal yearTrustco Bank Corp N y: diluted shares by fiscal year19MFY202019MFY202119MFY202219MFY202319MFY202419MFY2025
-2.7% since FY2020: buybacks shrank the count.
Trustco Bank Corp N y in its industry: growth against margin (133 companies, SIC 6022)Trustco Bank Corp N y in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFTRST (+8%, 44%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Trustco Bank Corp N y

TrustCo Bank Corp NY is a $6.5 billion savings and loan holding company and through its subsidiary, Trustco Bank, operated 132 offices in New York, New Jersey, Vermont, Massachusetts, and Florida as of June 30, 2026. In addition, the Bank’s Wealth Management Department offers a full range of investment services, retirement planning and trust and estate administration services. The common shares of TrustCo are traded on the NASDAQ Global Select Market under the symbol TRST .

In its own words, from its 8-K, filed Jul 21, 2026.

Trustco Bank Corp N y against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 44.3% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
TRST Trustco Bank Corp N yQ3 2026$51.9M+8%44.3%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Trustco Bank Corp N y 10-Q on SEC EDGAR · CIK 357301 · State Commercial Banks

Guidance and outlook

Trustco Bank Corp N y: what its forward-looking statements are about (10-Q filed 2026-11-06)Trustco Bank Corp N y: what its forward-looking statements are about (10-Q filed 2026-11-06)Other2Financing2Costs1Margins1Demand1Supply chain1
8 statements; tone -0.12 (−1 all cautious, +1 all confident); 1 hedged.
Trustco Bank Corp N y: outlook statements against the filing beforeTrustco Bank Corp N y: outlook statements against the filing beforeConfident1Cautious2

13F: who owns TRST and who is buying

Largest holders of TRST (13F)Largest holders of TRST (13F)BlackRock$138MDimensional Fund Advisors LP$62.6MSystematic Financial Management LP$60.5MVanguard Group$53.7MState Street$51.0MHoldCo Asset Management, LP$47.9MVanguard Capital Management LLC$41.2MAmerican Century Companies$33.5MGeode Capital Management, LLC$28.4MVanguard Portfolio Management LLC$21.2M
Funds' net buying of TRST by quarter (13F)Funds' net buying of TRST by quarter (13F)$2.4M2024-09$81K2024-12$7.6M2025-03$14.1M2025-06−$4.9M2025-09−$4.6M2025-12−$29.3M2026-03−$18.2M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on TRST

History

Every quarter: Q3 2026 results

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中文版：Trustco Bank Corp N y（TRST）财报

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