TRST - NASDAQ
TrustCo Bank Corp NY
$50.79
-2.5%TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It 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, the company serves 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. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.
At a Glance
Live SnapshotTrustCo Bank Corp NY Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
TrustCo Bank Corp NY Cash Flow Statement
TRST • NASDAQ
| TrustCo Bank Corp NY Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
61.1M | 48.8M | 58.6M | 75.2M | 61.5M | 52.5M | 57.8M | 61.4M | 43.1M | 42.6M | 42.2M | 44.2M | 39.8M | 37.5M | 33.1M | 29.3M | 28.1M | 34.1M | 39.5M | 45.3M | |
0.0 | 11.4M | 10.8M | 10.6M | 10.6M | 10.2M | 9.9M | 4.1M | 3.8M | 4M | 4.6M | 4.8M | 5M | 5M | 4.8M | 4.7M | 4.5M | 3.8M | 3.1M | 2.7M | |
0.0 | 2M | 2.2M | 4.1M | -238K | -1.1M | 1.1M | 2.6M | -183K | 3.3M | 3M | 3M | -1.4M | 1.4M | -2.3M | 581K | 2.2M | -1.7M | 1.8M | 1.1M | |
0.0 | 720K | 103K | 0.0 | 0.0 | 15K | 5K | 173K | 150K | 224K | 204K | 325K | 378K | 405K | 287K | 176K | 214K | 193K | 0.0 | 0.0 | |
20M | 1.9M | 2.9M | 1.6M | -1.6M | 8.1M | 2.2M | 4.7M | 6.5M | 7.7M | 9.7M | 7.7M | 13.9M | 11.3M | 21.3M | 23.5M | 126.4M | 352.4M | 1.3M | -2.9M | |
(19.1M) | (8.9M) | (19.1M) | (19.5M) | (20.5M) | (18.2M) | (16.8M) | (16.4M) | (26.1M) | (23.5M) | (21M) | (26.7M) | (23.8M) | (21.1M) | (18.8M) | (27.6M) | (14.7M) | (0.0) | (0.0) | (0.0) | |
-23.5M | -5.4M | -10.4M | -12.8M | -14.9M | -7.5M | -7.3M | -5.3M | 8.2M | -3M | 296K | -4.9M | 12.2M | 3M | 4.2M | -9.9M | -19.3M | -217K | 64.3M | 2.2M | |
57.6M | 59.4M | 64.1M | 78.6M | 55.4M | 62.2M | 63.8M | 67.6M | 61.7M | 54.9M | 60M | 55M | 69.9M | 58.6M | 61.3M | 48.5M | 142.1M | 388.5M | 110M | 48.4M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -4.9M | -5.7M | -3.8M | -2.8M | -3.8M | -3.9M | -3.6M | -3.6M | -2.1M | -3.7M | -8.5M | -6.4M | -4.3M | -5.2M | -3.6M | -148.9M | -243.6M | -8.3M | -5.1M | |
(0.0) | -42.8M | -19.7M | -203.5M | -140M | -145.3M | -262.8M | -61.8M | -83M | -275.3M | -189.8M | -126.1M | -423.5M | -1.2B | -1.3B | -1.3B | -1.7B | -721.5M | -223M | -95.3M | |
0.0 | 141.2M | 59.7M | 86.2M | 161.6M | 291.5M | 205.8M | 128.9M | 147.6M | 258.9M | 273.5M | 347.5M | 487.5M | 1.3B | 1.3B | 1.4B | 1.4B | 376.9M | 176.8M | 123.6M | |
-104.7M | -97.3M | -268M | -295.5M | -194M | -177.7M | -187.9M | -237.3M | -205.8M | -139.3M | -141.2M | -247.5M | -233.8M | -181.7M | -181.8M | -95.2M | 4.7M | 1.4M | -175.9M | -290.4M | |
-104.7M | -3.8M | -233.6M | -416.6M | -175.3M | -35.3M | -248.8M | -173.8M | -144.9M | -157.8M | -61.3M | -34.6M | -176.3M | -106.4M | -226.6M | (690K) | -390.4M | -586.8M | -230.4M | -267.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-38.1M | -374K | 0.0 | -7M | -2.6M | -3.5M | 1.8M | 1.7M | -2.1M | 1.7M | 2.5M | 2.6M | 2.9M | 2.9M | 70.5M | 2.8M | 0.0 | -8.2M | 4.5M | 747K | |
35.3M | -4.2M | -33.7M | -122M | 29.9M | 66.1M | -13.2M | -81.1M | 33.6M | 18.2M | 2.1M | -15M | 44.3M | 12.3M | 22.9M | 16.9M | -1.9M | 17.3M | -3.3M | 7.5M | |
-27.6M | -27.4M | -27.4M | -27M | -26.3M | -26.3M | -26.4M | -25.6M | -25.2M | -25.1M | -25M | -24.9M | -24.7M | -24.6M | -21.3M | -19.5M | -26.3M | -37M | -48.1M | -47.9M | |
-38.1M | -374K | (0.0) | -7M | -2.6M | -3.5M | -35K | -718K | -4.6M | -701K | -147K | -282K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -8.2M | (0.0) | (0.0) | |
166.1M | 40.1M | 158M | -74.9M | 231.2M | 587.2M | 176M | 102.1M | -17.6M | 97.2M | 68.3M | 105.3M | 122.9M | 68.2M | 179M | 246.1M | 168.9M | 124.9M | 220.9M | 236.9M | |
135.7M | 8.1M | 96.9M | -230.9M | 232.3M | 623.4M | 138.1M | -2.9M | -11.3M | 92M | 48M | 68M | 145.4M | 58.8M | 254M | 249.2M | 144.6M | 103M | 174M | 197.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
88.6M | 63.8M | -72.6M | -568.9M | 112.4M | 650.3M | -46.9M | -109M | -94.5M | -10.9M | 46.7M | 88.4M | 39M | 11.1M | 88.7M | 298.4M | -103.7M | -95.3M | 53.6M | -21.5M | |
641.8M | 578M | 650.6M | 1.2B | 1.1B | 456.8M | 503.7M | 612.7M | 707.3M | 718.2M | 671.4M | 583M | 544M | 532.9M | 444.3M | 145.9M | 249.6M | 344.9M | 291.3M | 312.9M | |
730.4M | 641.8M | 578M | 650.6M | 1.2B | 1.1B | 456.8M | 503.7M | 612.7M | 707.3M | 718.2M | 671.4M | 583M | 544M | 532.9M | 444.3M | 145.9M | 249.6M | 344.9M | 291.3M | |
45.7M | 54.6M | 58.5M | 74.8M | 52.5M | 58.3M | 59.9M | 64M | 58.1M | 52.8M | 56.3M | 46.5M | 63.5M | 54.4M | 56.1M | 44.9M | -6.8M | 144.9M | 101.7M | 43.3M |
SEC Filings
TRST - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 20, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 10, 2026 | April 10, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 01, 2026 | May 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 16, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 17, 2026 | February 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 27, 2026 | 2026 |
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