NASDAQ$TRST

TrustCo Bank Corp NY · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

TrustCo Bank reported Q3 2025 revenue of $85.0M, net income of $22.0M.

For Q3 2025, TrustCo Bank reported Revenue was $85.0M, net income was $22.0M. The filing discusses operating performance, liquidity, and outlook in MD&A.

  • Revenue $85.0M for Q3 2025.
  • Net income $22.0M.
  • MD&A covers liquidity, capital allocation, and sector-specific risks.

Headline financials

Total Revenue

$47.8M

Previous: $43.6M+9.6%
EPS (adj)

$0.86

Previous: $0.68+26.5%
Cash Dividends

$0.38

No prior period
Book Value Per Share

$37.30

No prior period
Net Interest Income

$43.1M

No prior period
Provision for Credit Losses

$250K

No prior period
Noninterest Income

$4.69M

No prior period
Noninterest Expense

$26.2M

No prior period
Market Price at Period End

$36.30

No prior period
FTE Employees

738

No prior period
Banking Offices

136

No prior period
ROA

1.0%

No prior period
ROE

9.3%

No prior period
Efficiency Ratio (GAAP)

54.9%

No prior period
Adj. Efficiency Ratio

54.9%

No prior period
Net Interest Spread

2.4%

No prior period
Net Interest Margin

2.8%

No prior period
Dividend Payout Ratio

43.7%

No prior period
Equity to Assets

10.9%

No prior period
Tangible Equity to Assets

10.9%

No prior period
NPLs to Loans

0.4%

No prior period
NPAs to Assets

0.3%

No prior period
Loan Loss Allowance to Loans

1.0%

No prior period
Coverage Ratio

280.8%

No prior period
Total Nonperforming Loans

$18.5M

No prior period
Total Nonperforming Assets

$19.7M

No prior period
Net Chargeoffs

-$176K

No prior period
Allowance for Loan Losses

$51.9M

No prior period
Annualized Chargeoffs to Loans

-0.0%

No prior period
Capital Expenditures

-$9.48M

Previous: -$2.54M-273.2%
Net Income

$16.3M

Previous: $12.9M+26.3%
Operating Income

$21.3M

Previous: $14.3M+49.5%

Revenue & EPS history

TrustCo · Revenue · Quarterly

$47.8M

Q3 2025+9.6%vs Q3 2024
Beat estimate in 5 of 11 quarters(45%)
ActualEstimate

Forward guidance

The periodic filing discusses operating priorities, liquidity, and risks; formal multi-year guidance varies by issuer.

Tailwinds

  • Management outlines strategic priorities and capital allocation.
  • Segment commentary supports the investment narrative where disclosed.

Headwinds

  • Macro, rates, or input costs may affect margins.
  • One-time items can affect quarter-over-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.7%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+3.2%

Avg return

30 days after

53%

35 / 66 earnings

Positive

+8.1%

Q3 2020

Best reaction

-6.0%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.6%+1.5%+8.4%
Q4 2025+0.7%-7.1%+0.6%
Q3 2025+1.9%+5.0%+14.7%
Q2 2025-1.1%+1.0%+11.0%
Q1 2025+5.0%+6.8%+9.3%
Q4 2024-2.1%+0.5%+2.9%
Q3 2024-1.0%-3.9%+7.4%
Q2 2024+6.5%+8.6%+1.6%
Q1 2024+3.6%+0.6%+6.8%
Q4 2023+2.5%+2.7%-4.6%
Q3 2023-6.0%-3.4%+4.4%
Q2 2023-1.1%+1.9%-6.2%
Q1 2023+0.7%+1.3%-2.8%
Q4 2022-0.2%-7.8%-1.9%
Q3 2022+6.0%+11.4%+15.8%
Q2 2022+0.4%+3.6%+12.7%
Q1 2022-0.5%-1.2%-3.2%
Q4 2021+6.4%+1.5%+1.0%
Q3 2021+1.2%+2.1%+1.6%
Q2 2021-1.1%+0.7%-0.8%
Q1 2021-0.5%+0.3%+5.1%
Q4 2020-3.0%-10.1%-6.2%
Q3 2020+8.1%+3.3%+13.1%
Q2 2020+0.7%+0.7%-2.3%
Q1 2020-1.0%+5.4%+15.5%
Q4 2019-3.3%-3.6%-6.8%
Q3 2019+4.7%+3.8%+7.4%
Q2 2019-5.6%-1.3%-5.5%
Q1 2019-3.8%-0.9%-3.7%
Q4 2018+2.6%+2.1%+10.3%
Q3 2018-0.9%-3.8%+0.3%
Q2 2018+0.0%+1.1%+4.4%
Q1 2018+0.0%+0.0%+1.7%
Q4 2017-2.7%-3.8%-3.3%
Q3 2017-1.1%+0.5%+0.5%
Q2 2017+4.5%+5.2%+0.6%
Q1 2017+1.9%+3.2%-4.5%
Q4 2016+1.8%+3.0%+3.0%
Q3 2016+0.7%+0.0%+14.0%
Q2 2016-0.9%-1.2%+5.4%
Q1 2016-1.4%
Q4 2015+3.5%
Q3 2015+4.0%
Q2 2015-3.3%
Q1 2015-2.0%
Q4 2014+4.8%
Q3 2014+0.0%
Q2 2014+0.6%
Q1 2014+0.3%
Q4 2013+0.1%
Q3 2013+0.3%
Q2 2013+5.6%
Q1 2013+2.5%
Q4 2009+0.9%
Q4 2012-0.8%
Q3 2012-1.6%
Q2 2012+2.6%
Q1 2011+0.9%
Q1 2012+0.9%
Q4 2011-1.5%
Q3 2011+1.2%
Q3 2010+1.2%
Q2 2010+0.0%
Q4 2010+0.0%
Q2 2011+0.0%
Q1 2010+4.1%

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