TrustCo Bank Corp NY (TRST) Financial Ratios Quarterly

TrustCo Bank Corp NY

TRST (NASDAQ)

(%)

Financials
TrustCo Bank Corp NY Financial Ratios Quarterly

Annual Quarterly

* (except for per share items) of USD

Period Ending:	LTM (Last Twelve Months)	2025 (Q4) 12-31	2025 (Q3) 09-30	2025 (Q2) 06-30	2025 (Q1) 03-31	2024 (Q4) 12-31	2024 (Q3) 09-30	2024 (Q2) 06-30	2024 (Q1) 03-31
Price Ratios
Price to Earnings Ratio	12.97	0	12.12	11.88	11.37	12.97	13.27	1234
Price to Sales Ratio	2.87	0	2.51	2.36	2.18	2.41	2.42	1234
Price to Book Ratio	1.16	1.1	0.995	0.915	0.843	0.936	0.94	1234
Price to Free Cash Flow Ratio	18.32	0	15.78	12.89	13.83	11.61	10.97	1234
Price to Operating Cash Flow Ratio	14.3	0	12.42	10.73	11.4	10.66	10	1234
Price Earnings to Growth Ratio	1.49	-10.43	1.19	1.98	0.374	-1.06	4.03	1234
EV to EBITDA	7	6.15	5.41	1234
Liquidity Ratios
Current Ratio	3.01	3.01	0.053	0.056	0.067	0.063	0.081	1234
Quick Ratio	3.01	3.01	0.053	0.056	0.067	0.063	0.081	1234
Cash Ratio	0.421	0.421	0.008	0.008	0.009	0.009	0.009	1234
Debt Ratio	0.03	0.03	0.021	0.019	0.019	0.02	0.022	1234
Debt to Equity Ratio	0.281	0.281	0.196	0.176	0.175	0.185	0.199	1234
Long Term Debt to Capitalization	0	0	0	0	0	0	0	1234
Total Debt to Capitalization	0.219	0.219	0.164	0.149	0.149	0.156	0.166	1234
Interest Coverage Ratio	0.898	0.96	0.93	0.868	0.834	0.641	0.755	1234
Cash Flow to Debt Ratio	0.288	0	0.094	0.222	0.011	0.115	0.124	1234
Margins
Gross Profit Margin	67.08%	68.3%	67.25%	66.28%	66.48%	64.7%	65.31%	1234
Operating Profit Margin	29.18%	30.42%	30.14%	28.45%	27.62%	22.24%	25.61%	1234
Pretax Profit Margin	29.04%	29.86%	30.14%	28.45%	27.62%	22.24%	25.61%	1234
Net Profit Margin	21.97%	22.07%	22.99%	21.69%	21.07%	17.01%	19.51%	1234
Operating Cash Flow Margin	19.93%	0%	18.1%	39.02%	1.89%	21.62%	24.98%	1234
Free Cash Flow Margin	15.68%	0%	14.12%	35.96%	-4.82%	18.09%	23.57%	1234
Return
Return on Assets	0.949%	0.242%	0.256%	0.237%	0.225%	0.181%	0.211%	1234
Return on Equity	8.86%	2.27%	2.35%	2.17%	2.08%	1.67%	1.92%	1234
Return on Capital Employed	1.28%	0.339%	2.77%	2.54%	2.46%	1.93%	2.24%	1234
Return on Invested Capital	0.98%	0.253%	2.23%	2.06%	2.01%	1.58%	1.83%	1234
Turnover Ratios
Receivables Turnover Ratio	0	0	0	0	0	0	0	1234
Payables Turnover Ratio	0	0	0	0	0	0	0	1234
Inventory Turnover Ratio	0	0	0	0	0	0	0	1234
Fixed Asset Turnover Ratio	3.74	0.949	0.943	0.931	0.939	0.942	0.926	1234
Asset Turnover Ratio	0.043	0.011	0.011	0.011	0.011	0.011	0.011	1234
Per Share Items ()
Revenue Per Share	15.23	0	3.73	3.66	3.56	3.49	3.47	1234
Operating Cash Flow Per Share	3.04	0	0.675	1.43	0.067	0.754	0.867	1234
Free Cash Flow Per Share	2.39	0	0.527	1.31	-0.172	0.631	0.818	1234
Cash & Short Term Investments	19.75	19.75	15.53	16.59	19.62	18.12	22.79	1234
Earnings Per Share	3.35	0	0.857	0.793	0.751	0.593	0.677	1234
EBITDA Per Share	4.91	1.17	1.28	1.19	1.13	0.948	1.03	1234
Dividend Per Share	1.49	0	0.359	0.361	0.36	0.361	0.36	1234
Enterprise Value Per Share	34.4	0	27.94	23.25	17.2	21.76	17.27	1234
Book Value Per Share		37.75	0	36.49	36.53	36.16	35.58	35.19	1234
Price Per Share	43.6	0	36.3	33.42	30.48	33.31	33.07	1234
Dividend Ratios
Dividend Payout Ratio	44.76%	44.62%	41.92%	45.51%	47.97%	60.81%	53.22%	1234
Annual Dividend Yield	3.41%	0%	3.97%	4.32%	4.73%	4.33%	4.36%	1234
Effective Tax Rate	24.35%	26.07%	23.73%	23.76%	23.74%	23.5%	23.83%	1234
Short Term Coverage Ratio	0.462	0	0.131	0.328	0.016	0.169	0.18	1234
Capital Expenditure Coverage Ratio	4.69	0	4.55	12.76	0.282	6.12	17.75	1234
EBIT Per Revenue	0.292	0.304	0.301	0.285	0.276	0.222	0.256	1234
EBITDA Per Revenue	0.322	0.304	0.342	0.326	0.318	0.272	0.297	1234
Days of Sales Outstanding	0	0	0	0	0	0	0	1234
Days of Inventory Outstanding	0	0	0	0	0	0	0	1234
Days of Payables Outstanding	0	0	0	0	0	0	0	1234
Cash Conversion Cycle	0	0	0	0	0	0	0	1234
Cash Conversion Ratio	0.907	0	0.787	1.8	0.09	1.27	1.28	1234
Free Cash Flow to Earnings	0.714	0	0.614	1.66	-0.229	1.06	1.21	1234

Market is Open

After-Hours Quote

Market is Open

After-Hours Quote

TrustCo Bank Corp NY Financial Ratios Quarterly