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Trustco Bank Corp N y cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$19.3M in Q3 2026 · $69.0M over twelve months

Operating cash flow$20.5M
Capital spending−$1.3M
Free cash flow+$19.3M
Cash / net income1.2×

Analysis

In Q3 2026, Trustco Bank Corp N y generated $20.5M of operating cash flow and spent $1.3M on capital projects, leaving free cash flow of $19.3M. That is $9.3M more than in Q3 2025 ($10.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $76.8M; the largest uses were other investing ($245M), buybacks ($98.7M), dividends ($27.2M); besides operations, cash came from other financing ($203M), net borrowing (+) / repaid (−) ($359K); the cash balance fell by $98.2M.

Operating cash flow was $20.5M against net income of $17.3M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$3.5M, depreciation & amortization +$1.3M, prepaid and other assets −$1.1M.

Free cash flow

Trustco Bank Corp N y: free cash flow by quarterTrustco Bank Corp N y: free cash flow by quarter$12.0MQ4 2024−$3.3MQ1 2025$24.9MQ2 2025$10.0MQ3 2025$14.1MQ4 2025$10.2MQ1 2026$25.5MQ2 2026$19.3MQ3 2026
Operating cash flow less capital spending.
Trustco Bank Corp N y: operating cash flow against capital spendingTrustco Bank Corp N y: operating cash flow against capital spendingOperating cash flowCapital spending$14.3M$2.3MQ4 2024$1.3M$4.5MQ1 2025$27.1M$2.1MQ2 2025$12.8M$2.8MQ3 2025$16.5M$2.4MQ4 2025$11.8M$1.6MQ1 2026$28.0M$2.5MQ2 2026$20.5M$1.3MQ3 2026
Latest (Q3 2026): Operating cash flow $20.5M, Capital spending $1.3M.

Capital allocation, year by year

Trustco Bank Corp N y: where the cash came from (up) and went (down), by fiscal yearTrustco Bank Corp N y: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $55.4MFY2021: Net borrowing $29.9MFY2021: Shares issued $260KFY2021: Asset sales $6KFY2021: Capital spending −$2.8MFY2021: Buybacks −$2.4MFY2021: Dividends −$26.3M$85.6MFY2021FY2022: Operating cash flow $78.6MFY2022: Net borrowing −$122MFY2022: Shares issued $429KFY2022: Asset sales $470KFY2022: Capital spending −$3.8MFY2022: Buybacks −$7.0MFY2022: Dividends −$27.0M$79.5MFY2022FY2023: Operating cash flow $64.1MFY2023: Net borrowing −$33.7MFY2023: Capital spending −$5.7MFY2023: Dividends −$27.4M$64.1MFY2023FY2024: Operating cash flow $59.4MFY2024: Net borrowing −$4.2MFY2024: Shares issued $95KFY2024: Asset sales $713KFY2024: Capital spending −$4.9MFY2024: Buybacks −$374KFY2024: Dividends −$27.4M$60.2MFY2024FY2025: Operating cash flow $57.6MFY2025: Net borrowing $35.3MFY2025: Shares issued $24KFY2025: Capital spending −$11.9MFY2025: Buybacks −$38.1MFY2025: Dividends −$27.6M$92.9MFY2025
Over these 5 years operating cash flow totalled $315M; the largest uses were net borrowing ($160M) and dividends ($136M). Cash-flow statements as filed.

Where the cash came from and went

Trustco Bank Corp N y: sources (+) and uses (−) of cash, Q3 2026Trustco Bank Corp N y: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$99.3MOther investing−$75.4MBuybacks−$29.0MOperating cash flow$20.5MNet borrowing (+) / repaid (−)−$10.3MDividends−$6.6MOther financing$2.7MCapital spending−$1.3M
Trustco Bank Corp N y: sources (+) and uses (−) of cash, TTM to Q3 2026Trustco Bank Corp N y: sources (+) and uses (−) of cash, 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 profit to cash

Trustco Bank Corp N y: net income to operating cash flow, Q3 2026Trustco Bank Corp N y: net income to operating cash flow, Q3 2026Net income$17.3MDepreciation & amortization$1.3MStock-based pay$475KDeferred taxes−$496KAccrued liabilities$3.5MPrepaid and other assets−$1.1MOperating cash flow$20.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$20.5M−$1.3M−$29.0M−$6.6M−$10.3M$99.3M$19.3M
Q2 2026$28.0M−$2.5M−$24.6M−$6.7M−$4.5M$71.5M$25.5M
Q1 2026$11.8M−$1.6M−$23.9M−$6.8M−$7.1M−$37.7M$10.2M
Q4 2025$16.5M−$2.4M−$21.3M−$7.1M$22.3M−$34.9M$14.1M
Q3 2025$12.8M−$2.8M−$11.5M−$6.8M$15.4M$18.0M$10.0M
Q2 2025$27.1M−$2.1M−$5.3M−$6.8M$95K$42.5M$24.9M
Q1 2025$1.3M−$4.5M—−$6.8M−$2.5M−$114M−$3.3M
Q4 2024$14.3M−$2.3M—−$6.9M−$6.7M−$119M$12.0M

Trustco Bank Corp N y: income statement and cash flow

Trustco Bank Corp N y, Q3 2026: revenue $51.9M (+8% year over year), operating margin 44.3%. The chart follows the revenue to costs, profit and cash.

Trustco Bank Corp N y: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.