TRST
TrustCo Bank Corp NY
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
56.83
▼ 0.37 (0.65%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
57.43
Prev close
57.20
Day high
57.85
Day low
56.65
Volume
227.85K
Market cap
$967.69M
P/E (TTM)
15.79
52W range
34.31 – 58.98
Day trading desk
Gap from prior close
+0.40%
Prior close 57.20
VWAP
56.94
-0.19% from price
Relative volume
1.75×
Unusually busy
Session range
2.11%
56.65 – 57.85
Position in range
15%
Near session low
ATR (14D)
1.27
2.23% of price
Prior day high
57.58
PDH
Prior day low
56.15
PDL
Bid / ask spread
—
Quote not published
Session volume
224.48K
Avg 128.15K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.91%
+0.5%
1M
+0.67%
-3.1%
3M
+12.67%
+9.6%
6M
+24.08%
+13.0%
YTD
+37.50%
+25.2%
1Y
+57.86%
+37.9%
3Y
+97.12%
+23.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on TRST open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
572.98K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| May 21, 21 | HALL MICHAEL JAMES General Counsel |
CONVERSION | 1.13K | $7.23K | Direct |
| Feb 25, 21 | SALVADOR SCOT R Officer |
CONVERSION | 10.00K | $51.70K | Direct |
| Nov 20, 20 | MARINELLO ANTHONY J PH.D., M.D. Director |
— | 1.17K | — | Direct |
| Nov 20, 20 | MCCORMICK ROBERT J Chief Executive Officer |
— | 15.37K | — | Direct |
| Nov 20, 20 | LEONARD ROBERT M Officer |
— | 8.12K | — | Direct |
| Nov 20, 20 | SALVADOR SCOT R Officer |
— | 8.12K | — | Direct |
| Nov 20, 20 | MAGGS THOMAS O Director |
— | 1.17K | — | Direct |
| Nov 20, 20 | DE GENNARO DENNIS A Director |
— | 1.17K | — | Direct |
| Nov 20, 20 | SCHRECK ERIC W Officer and Treasurer |
— | 2.24K | — | Direct |
| Nov 20, 20 | OZIMEK MICHAEL M Chief Financial Officer |
— | 2.24K | — | Direct |
| Nov 20, 20 | FLYNN BRIAN C Director |
— | 1.17K | — | Direct |
| Nov 20, 20 | HALL MICHAEL JAMES General Counsel |
— | 710 | — | Direct |
| Nov 20, 20 | CURLEY KEVIN M Chief Operating Officer |
— | 2.24K | — | Direct |
| Nov 20, 20 | LUCARELLI LISA M. Director |
— | 670 | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DE GENNARO DENNIS A |
Director | 116.17K | Conversion of Exercise of derivative security |
FLYNN BRIAN C |
Director | 11.34K | Conversion of Exercise of derivative security |
HALL MICHAEL JAMES |
General Counsel | 11.63K | Conversion of Exercise of derivative security |
LEONARD ROBERT M |
Officer | 107.87K | Conversion of Exercise of derivative security |
MAGGS THOMAS O |
Director | 88.15K | Conversion of Exercise of derivative security |
MARINELLO ANTHONY J PH.D., M.D. |
Director | 107.08K | Conversion of Exercise of derivative security |
MCCORMICK ROBERT J |
Chief Executive Officer | 1.52M | Conversion of Exercise of derivative security |
OZIMEK MICHAEL M |
Chief Financial Officer | 15.48K | Conversion of Exercise of derivative security |
SALVADOR SCOT R |
Officer | 199.78K | Conversion of Exercise of derivative security |
SCHRECK ERIC W |
Officer and Treasurer | 103.98K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$967.69M
Enterprise value$415.79M
Revenue (TTM)$194.77M
Gross profit$194.77M
EBITDA—
Net income$65.07M
EPS (TTM)$3.60
Free cash flow—
Total cash$696.64M
Total debt$144.74M
Book value / share$38.53
Shares outstanding17.03M
Float15.48M
Short % of float5.82%
Dividend yield2.82%
Beta (5Y)0.65
Valuation & profitability ratios
Trailing P/E15.79
Forward P/E19.80
PEG ratio0.63
Price / sales—
Price / book1.48
EV / revenue2.14
EV / EBITDA—
Gross margin0.00%
Operating margin46.67%
Profit margin33.41%
Return on equity9.65%
Return on assets1.01%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $187.92M | $171.77M | $190.16M | $199.40M | +9.4% |
| Operating revenue | $187.92M | $171.77M | $190.16M | $199.40M | +9.4% |
| Selling, general & admin | $54.83M | $54.07M | $57.42M | $51.11M | +1.4% |
| Pre-tax income | $80.81M | $64.05M | $77.61M | $99.42M | +26.2% |
| Tax provision | $19.68M | $15.21M | $18.97M | $24.18M | +29.3% |
| Net income | $61.14M | $48.83M | $58.65M | $75.23M | +25.2% |
| Net income to common | $61.14M | $48.83M | $58.65M | $75.23M | +25.2% |
| Basic EPS | 3.26 | 2.57 | 3.08 | 3.93 | +26.8% |
| Diluted EPS | 3.25 | 2.57 | 3.08 | 3.93 | +26.5% |
| Basic shares | 18.75M | 19.02M | 19.02M | 19.13M | -1.4% |
| Diluted shares | 18.79M | 19.04M | 19.02M | 19.13M | -1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $50.57M | $47.36M | $49.27M | $43.43M | — | +6.8% |
| Property, plant & equipment | $74.34M | $70.41M | $74.55M | $77.28M | — | +5.6% |
| Total assets | $6.44B | $6.24B | $6.17B | $6.00B | — | +3.2% |
| Current debt | — | — | — | $122.70M | $244.69M | — |
| Total debt | $36.39M | $40.16M | $44.47M | $48.98M | — | -9.4% |
| Total liabilities | $5.75B | $5.56B | $5.52B | $5.40B | — | +3.4% |
| Retained earnings | $480.00M | $446.50M | $425.07M | $393.83M | — | +7.5% |
| Shareholder equity | $686.59M | $676.34M | $645.28M | $599.99M | — | +1.5% |
| Net tangible assets | $686.59M | $676.34M | $645.28M | $599.99M | — | +1.5% |
| Shares issued | 19.58M | 20.10M | 20.06M | 20.06M | — | -2.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $61.14M | $48.83M | $58.65M | $75.23M | +25.2% |
| Depreciation & amortisation | $11.46M | $11.44M | $10.79M | $10.55M | +0.2% |
| Stock-based compensation | $1.27M | $720.00K | $103.00K | $0 | +76.4% |
| Change in working capital | -$23.51M | -$5.42M | -$10.44M | -$12.83M | -334.1% |
| Operating cash flow | $57.60M | $59.44M | $64.13M | $78.63M | -3.1% |
| Capital expenditure | -$11.87M | -$4.88M | -$5.67M | -$3.79M | -142.9% |
| Investing cash flow | -$104.67M | -$3.75M | -$233.59M | -$416.63M | -2,691.3% |
| Share buybacks | -$38.13M | -$374.00K | $0 | -$7.00M | -10,096.3% |
| Dividends paid | -$27.62M | -$27.41M | -$27.39M | -$26.99M | -0.8% |
| Financing cash flow | $135.69M | $8.12M | $96.87M | -$230.87M | +1,571.8% |
| Free cash flow | $45.74M | $54.56M | $58.46M | $74.84M | -16.2% |
| End cash position | $730.43M | $641.81M | $578.00M | $650.60M | +13.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $49.55M | $48.16M | $47.81M | $46.60M | $45.35M | — |
| Operating revenue | — | $49.55M | $48.16M | $47.81M | $46.60M | $45.35M | — |
| Selling, general & admin | — | $13.77M | $14.01M | $14.07M | $13.32M | $13.44M | — |
| Pre-tax income | — | $21.62M | $21.05M | $21.32M | $19.73M | $18.72M | — |
| Tax provision | — | $5.33M | $5.49M | $5.06M | $4.69M | $4.44M | — |
| Net income | — | $16.29M | $15.56M | $16.26M | $15.04M | $14.28M | — |
| Net income to common | — | $16.29M | $15.56M | $16.26M | $15.04M | $14.28M | — |
| Basic EPS | 0.98 | 0.91 | 0.85 | 0.87 | 0.79 | — | +7.7% |
| Diluted EPS | 0.98 | 0.91 | 0.85 | 0.86 | 0.79 | — | +7.7% |
| Basic shares | 17.30M | 17.81M | 18.27M | 18.75M | 18.96M | — | -2.9% |
| Diluted shares | 17.39M | 17.88M | 18.33M | 18.80M | 18.99M | — | -2.7% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $43.16M | $50.57M | $42.03M | $45.22M | $48.78M | -14.6% |
| Property, plant & equipment | $74.38M | $74.34M | $75.01M | $74.45M | $72.15M | +0.0% |
| Total assets | $6.51B | $6.44B | $6.35B | $6.35B | $6.34B | +1.0% |
| Current debt | $112.93M | — | $97.75M | $82.37M | $82.28M | — |
| Total debt | $148.85M | $36.39M | $135.93M | $121.72M | $120.60M | +309.0% |
| Total liabilities | $5.84B | $5.75B | $5.66B | $5.66B | $5.65B | +1.4% |
| Retained earnings | $489.54M | $480.00M | $471.31M | $462.16M | $453.93M | +2.0% |
| Shareholder equity | $670.92M | $686.59M | $692.01M | $692.80M | $687.81M | -2.3% |
| Net tangible assets | $670.92M | $686.59M | $692.01M | $692.80M | $687.81M | -2.3% |
| Shares issued | 20.12M | 19.58M | 20.10M | 20.10M | 20.10M | +2.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $16.29M | $15.56M | $16.26M | $15.04M | $14.28M | +4.6% |
| Depreciation & amortisation | $2.89M | $2.92M | $2.88M | $2.85M | $2.81M | -1.1% |
| Stock-based compensation | $475.00K | $345.00K | $309.00K | $308.00K | $308.00K | +37.7% |
| Change in working capital | -$7.85M | -$4.42M | -$7.60M | $7.43M | -$18.93M | -77.8% |
| Operating cash flow | $11.82M | $16.47M | $12.80M | $27.05M | $1.28M | -28.3% |
| Capital expenditure | -$1.64M | -$2.38M | -$2.81M | -$2.12M | -$4.54M | +31.4% |
| Investing cash flow | -$31.28M | -$51.41M | -$18.81M | -$51.16M | $16.71M | +39.2% |
| Share buybacks | -$23.91M | -$21.26M | -$11.54M | -$5.33M | $0 | -12.4% |
| Dividends paid | -$6.76M | -$7.11M | -$6.82M | -$6.84M | -$6.85M | +5.0% |
| Financing cash flow | $57.15M | $69.82M | -$12.03M | -$18.44M | $96.33M | -18.1% |
| Free cash flow | $10.18M | $14.09M | $9.99M | $24.93M | -$3.27M | -27.7% |
| End cash position | $768.11M | $730.43M | $695.56M | $713.59M | $756.14M | +5.2% |
Options analytics
Put / call volume
0.13
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
55.00
-3.2% from spot
ATM implied vol
66.3%
Nearest strike to spot
Skew (10% OTM)
-13.0%
Calls bid over puts
Call volume
8
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
55.00
0 contracts
Heaviest put OI
55.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2025 | — | 0.79 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders3.36%
Held by institutions79.75%
Institutions holding276
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
56.62
+0.37% from price
SMA 20
56.71
+0.22% from price
SMA 50
55.40
+2.58% from price
SMA 100
51.92
+9.46% from price
SMA 200
47.44
+19.78% from price
EMA 12
56.73
+0.18% from price
EMA 26
56.27
+0.99% from price
EMA 50
55.07
+3.19% from price
RSI (14)
53.8
Neutral
MACD (12,26,9)
0.45
Hist -0.06
ATR (14)
1.27
2.23% of price
Realised vol 30D
18.7%
Annualised
Bollinger upper
58.28
20, 2σ
Bollinger lower
55.13
20, 2σ
50 / 200 cross
Golden
55.40 vs 47.44
Trend bias
Above 200
+19.78%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.48
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
18.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-14.9%
Peak to trough
Max drawdown 5Y
-37.1%
Peak to trough
ATR 14
1.27
2.23% of price
Beta (reported)
0.65
5Y monthly, from filing
Short interest
Shares short
795.18K
Prior 773.05K
Change vs prior
+2.9%
Shorts adding
% of float
5.82%
Normal
% of shares out
4.67%
Against total outstanding
Days to cover
7.3
Crowded exit
Float
15.48M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 25, 23 | Piper Sandler | DOWNGRADE | Neutral | Underweight |
Dividends & splits
Forward rate$1.60 / yr
Forward yield2.82%
5-year avg yield4.31%
Payout ratio42.22%
Ex-dividend dateSep 4, 2026
Next pay dateOct 1, 2026
Last split1:5
Split dateMay 28, 2021
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-18
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-07-10
Offering Registrations
S-8 · 2026-05-22
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-21
Headlines
TrustCo Increases Dividend 5.3%: Long-Term Commitment to Payouts Supported by Solid Earnings and Strong Capital Position More Great News For Our Shareholders
GlobeNewswire · 5d ago
Trustco Bank Corp N Y (TRST) Q2 2026 Earnings Call Highlights: Strong Net Income Growth Amid ...
GuruFocus.com · 32d ago
TrustCo Bank Corp NY Q2 Earnings Call Highlights
MarketBeat · 32d ago
TrustCo Bank Corp NY Q2 2026 Earnings Call Summary
Moby · 32d ago
TrustCo Bank Q2 Earnings, Revenue Rise
MT Newswires · 33d ago
TrustCo: Q2 Earnings Snapshot
Associated Press · 33d ago
TrustCo Reports 12.8% Increase in Net Income for the Second Quarter of 2026 to $17 Million
GlobeNewswire · 33d ago
TrustCo to Release Second Quarter 2026 Results on July 21, 2026; Conference Call on July 22, 2026
GlobeNewswire · 44d ago
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