Filing Flows › Trustco Bank Corp N y (TRST) › Q3 2026 › vs Q3 2025
Trustco Bank Corp N y (TRST) Q3 2026 vs Q3 2025 (year over year)
Trustco Bank Corp N y's revenue rose $4.0M (+8%) from $47.8M in Q3 2025 to $51.9M in Q3 2026. The biggest changes: Net interest income +$3.9M (+9%); Noninterest income +$129K (+3%). Operating margin 44.3% against 44.6% (-0.3 pts).
Trustco Bank Corp N y, Q3 2026: revenue $51.9M (+8% year over year), operating margin 44.3%, net earnings $17.3M, operating cash flow $20.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.3% | 44.6% | -0.3 pts |
| Net margin | 33.4% | 34.0% | -0.6 pts |
| Free cash flow margin | 37.2% | 20.9% | +16.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $47.0M | $43.1M | $3.9M | +9% |
| Noninterest income | $4.8M | $4.7M | $129K | +3% |
| Revenue | $51.9M | $47.8M | $4.0M | +8% |
| Operating profit | $23.0M | $21.3M | $1.7M | +8% |
| Costs & expenses | $28.9M | $26.5M | $2.4M | +9% |
| Pre-tax earnings | $23.0M | $21.3M | $1.7M | +8% |
| Credit loss provision | $850K | $250K | $600K | +240% |
| Noninterest expense | $28.0M | $26.2M | $1.8M | +7% |
| Net earnings | $17.3M | $16.3M | $1.1M | +7% |
| Income tax | $5.7M | $5.1M | $612K | +12% |
| Depreciation & amortization | $1.3M | $1.2M | $43K | +4% |
| Share-based compensation | $475K | $309K | $166K | +54% |
| Working capital & other | $1.5M | −$5.0M | $6.5M | — |
| Operating cash flow | $20.5M | $12.8M | $7.7M | +60% |
| Free cash flow (OCF − capex) | $19.3M | $10.0M | $9.3M | +93% |
| Capital expenditures | $1.3M | $2.8M | −$1.6M | -55% |
Questions
How much did Trustco Bank Corp N y's revenue grow year over year in Q3 2026?
Trustco Bank Corp N y's revenue rose $4.0M (+8%) from $47.8M in Q3 2025 to $51.9M in Q3 2026.
What drove Trustco Bank Corp N y's revenue change in Q3 2026?
Net interest income +$3.9M (+9%); Noninterest income +$129K (+3%).