Filing Flows › Trustco Bank Corp N y (TRST) › Q3 2026
Trustco Bank Corp N y (TRST) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Trustco Bank Corp N y (TRST) reported revenue of $51.9M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +0.7% from the quarter before. Operating margin was 44.3%, net earnings $17.3M (33.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $51.9M | +0.7% | +8% |
| Operating profit | $23.0M | +2% | +8% |
| Net earnings | $17.3M | +2% | +7% |
| Operating cash flow | $20.5M | -27% | +60% |
| Free cash flow | $19.3M | -24% | +93% |
What changed
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.
Questions
What was Trustco Bank Corp N y's revenue in the third quarter 2026?
Trustco Bank Corp N y (TRST) reported revenue of $51.9M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +0.7% from the quarter before.
Was Trustco Bank Corp N y profitable in the third quarter 2026?
Operating profit was $23.0M (44.3% of revenue) and net earnings $17.3M.