Stock Fundamentals

Company Information

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Company Name
TrustCo Bank Corp NY
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US8983492047
CIK: 0000357301
CUSIP: 898349105
Currency: USD
Full Time Employees: 743
Phone: 518 377 3311
Website: https://www.trustcobank.com
Fiscal Year End: December
IPO Date: Mar 26, 1990
Description:

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, it operates as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.

Address:

5 Sarnowski Drive, Glenville, NY, United States, 12302

Directors & Officers

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Name Title Year Born
Mr. Robert Joseph McCormick President, CEO & Chairman of the Board 1964
Mr. Michael M. Ozimek Executive VP & CFO 1974
Mr. Robert Michael Leonard Executive VP & COO 1963
Mr. Kevin M. Curley Executive VP & Chief Banking Officer 1966
Ms. Carly Batista Senior VP & COO NA
Mr. Michael James Hall Esq. General Counsel & Corporate Secretary 1965
Mr. Michael J. Ewell Senior VP & Chief Risk Officer NA
Lauren A. McCormick VP, Treasurer & Assistant Corporate Secretary NA
Mr. John R. George Senior VP & Chief Retail Banking Officer NA
Ms. Michelle L. Simmonds Senior VP & Chief Lending Officer NA

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 2.63M Sep 30, 2025 14.58% $0.00 -2.27%
Vanguard Group Inc 1.30M Dec 31, 2025 7.21% $0.00 1.13%
Systematic Financial Management LP 1.17M Dec 31, 2025 6.51% $1.14 -0.65%
Dimensional Fund Advisors, Inc. 1.14M Dec 31, 2025 6.34% $0.01 -2.76%
State Street Corp 885.16K Sep 30, 2025 4.91% $0.00 0.66%
HoldCo Asset Management, L.P. 872.74K Sep 30, 2025 4.84% $3.34 170.19%
American Century Companies Inc 540.96K Dec 31, 2025 3.00% $0.01 5.20%
Geode Capital Management, LLC 461.22K Sep 30, 2025 2.56% $0.00 -9.66%
Franklin Resources Inc 420.53K Sep 30, 2025 2.33% $0.00 -9.13%
Verition Fund Managegment, LLC 303.59K Dec 31, 2025 1.68% $0.05 -7.27%
The Goldman Sachs Group Inc 291.29K Sep 30, 2025 1.62% $0.00 19.89%
Hotchkis & Wiley Capital Management LLC 273.00K Dec 31, 2025 1.51% $0.03 0.46%
Arrowstreet Capital Limited Partnership 233.24K Dec 31, 2025 1.29% $0.01 -3.02%
Amvescap Plc. 230.53K Sep 30, 2025 1.28% $0.00 25.00%
Northern Trust Corp 212.48K Sep 30, 2025 1.18% $0.00 -0.16%
Bank of New York Mellon Corp 185.83K Sep 30, 2025 1.03% $0.00 -4.10%
Charles Schwab Investment Management Inc 173.55K Dec 31, 2025 0.96% $0.00 -0.83%
AQR Capital Management LLC 138.28K Sep 30, 2025 0.77% $0.00 -32.21%
Morgan Stanley - Brokerage Accounts 137.48K Sep 30, 2025 0.76% $0.00 -14.06%
Bridgeway Capital Management, LLC 132.15K Dec 31, 2025 0.73% $0.11 6.71%

Shares Statistics

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Shares Outstanding: 18.42M
Shares Float: 17.82M
% Insiders: 335.10%
% Institutions: 8,076.80%
Short % Float: 2.75%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 2.63M 14.58% ▼ 2.27% Sep 30, 2025
2 Vanguard Group Inc 1.30M 7.21% ▲ 1.13% Dec 31, 2025
3 Systematic Financial Management LP 1.17M 6.51% ▼ 0.65% Dec 31, 2025
4 Dimensional Fund Advisors, Inc. 1.14M 6.34% ▼ 2.76% Dec 31, 2025
5 State Street Corp 885.16K 4.91% ▲ 0.66% Sep 30, 2025
6 HoldCo Asset Management, L.P. 872.74K 4.84% ▲ 170.19% Sep 30, 2025
7 American Century Companies Inc 540.96K 3.00% ▲ 5.20% Dec 31, 2025
8 Geode Capital Management, LLC 461.22K 2.56% ▼ 9.66% Sep 30, 2025
9 Franklin Resources Inc 420.53K 2.33% ▼ 9.13% Sep 30, 2025
10 Verition Fund Managegment, LLC 303.59K 1.68% ▼ 7.27% Dec 31, 2025

Valuation Metrics

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Enterprise Value: $173.65M
Trailing P/E: 13.23
Forward P/E: 14.04

Financial Highlights

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Market Cap: $733.46M
P/E Ratio: $13.23
PEG Ratio: $0.63
Book Value: $37.30
Dividend/Share: $1.46
Dividend Yield: 3.67%
Earnings/Share: $3.01
Profit Margin: 31.33%
Operating Margin: 47.05%
ROA (TTM): 0.91%
ROE (TTM): 8.35%
Revenue (TTM): $181.46M
Revenue/Share (TTM): $9.58
Earnings Growth (YOY): 27.00%
Revenue Growth (YOY): 10.30%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

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Financial Ratios

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.26x 0.17x 0.89x 0.90x 1.34x
2024-12-31 0.06x 0.13x 0.89x 0.70x 1.12x
2023-12-31 0.09x 0.14x 0.90x 1.43x 1.01x
2022-12-31 0.10x 0.41x 0.90x 15.37x 2.23x
2021-12-31 0.08x 0.41x 0.90x 10.84x 2.64x
2020-12-31 0.09x 0.38x 0.90x 2.81x 2.70x
2019-12-31 0.13x 0.28x 0.90x 2.11x 1.72x
2018-12-31 0.12x 0.33x 0.90x 3.94x 1.93x
2017-12-31 0.14x 0.53x 0.91x 5.26x 3.02x
2016-12-31 0.15x 0.48x 0.91x 4.46x 2.90x
2015-12-31 0.15x 0.46x 0.91x 4.12x 2.68x
2014-12-31 0.17x 0.48x 0.92x 4.62x 2.48x
2013-12-31 0.22x 0.56x 0.92x 4.16x 2.98x
2012-12-31 0.24x 0.45x 0.92x 3.00x 2.46x
2011-12-31 0.24x 0.44x 0.92x 2.00x 2.58x
2010-12-31 0.01x 0.49x 0.94x 1.25x 2.56x
2009-12-31 0.01x 0.44x 0.93x 0.88x 2.25x
2008-12-31 0.01x 0.46x 0.93x 0.68x 2.03x
2007-12-31 0.02x 0.39x 0.93x 0.62x 1.51x
2006-12-31 0.02x 0.40x 0.92x 0.95x 1.36x
2005-12-31 0.02x 0.38x 0.92x 1.97x 0.95x
2004-12-31 0.02x 0.35x 0.92x 2.15x 0.92x
2003-12-31 0.02x 0.40x 0.92x 1.87x 1.15x
2002-12-31 0.03x 0.60x 0.91x 1.14x 2.07x
2001-12-31 0.03x 1.06x 0.92x 0.90x 3.21x
2000-12-31 0.02x 0.99x 0.92x 0.83x 2.97x
1999-12-31 0.03x 0.92x 0.93x 0.78x 2.54x
1998-12-31 0.19x 0.80x 0.93x 0.62x 2.60x
1997-12-31 0.20x 0.72x 0.92x 0.59x 2.35x
1996-12-31 0.17x 0.69x 0.93x 0.56x 2.28x
1995-12-31 0.15x 0.35x 0.93x 0.48x 1.35x
1994-12-31 0.18x 0.09x 0.93x 0.58x 0.33x
1993-12-31 0.11x 0.14x 0.93x 0.59x 0.48x
1992-12-31 0.10x 0.17x 0.94x 0.35x 0.72x
1991-12-31 0.06x 0.35x 0.94x 0.31x 2.05x
1990-12-31 0.11x 1.05x 0.94x 0.30x 4.16x
1989-12-31 0.16x 0.59x 0.93x 0.31x 2.30x
1988-12-31 N/A N/A N/A N/A 0.00x
1987-12-31 N/A N/A N/A N/A 0.00x
1986-12-31 N/A N/A N/A N/A 0.00x
1985-12-31 N/A N/A N/A N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Nov 26, 2025 Lisa M Lucarelli N/A Purchase 200.00 $42.69 $8.54K

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