TRUSTCO BANK CORP N Y
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $61.1M | $48.8M | $58.6M | $75.2M | $61.5M | $52.5M |
| Total assets | $6.44B | $6.24B | $6.17B | $6.00B | $6.20B | $5.90B |
| Total liabilities | $5.75B | $5.56B | $5.52B | $5.40B | $5.60B | $5.33B |
| Equity | $686.6M | $676.3M | $645.3M | $600.0M | $601.1M | $568.2M |
| EPS (diluted) | $3.25 | $2.57 | $3.08 | $3.93 | $3.19 | $2.72 |
| Shares out. | 19.0M | 19.0M | 19.0M | 19.2M | 96.4M | 96.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 8.9%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.3%
- Debt / equity
- 8.38×
- Book value / share
- $36.10
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 25.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- State Street CorpPassive (13G)May 12, 2026
- Vanguard Capital Management LlcPassive (13G)Apr 30, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Systematic Financial Management LpPassive (13G)Feb 10, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Silverman Frank BDirector | Apr 24, 2026 | Buy | 105 | $46.18 |
| Curley Kevin MOfficer — EXECUTIVE VICE PRESIDENT & COO | Mar 12, 2026 | Buy | 588 | $42.55 |
| Lucarelli Lisa MDirector | Nov 26, 2025 | Buy | 200 | $42.69 |
| Leonard Robert MOfficer — EVP & CHIEF OPERATING OFFICER | Nov 21, 2025 | Option exercise | 1,600 | $0.00 |
| Ozimek Michael MOfficer — EXECUTIVE VICE PRESIDENT & CFO | Nov 21, 2025 | Option exercise | 1,107 | $0.00 |
| Curley Kevin MOfficer — EXECUTIVE VICE PRESIDENT & CBO | Nov 21, 2025 | Option exercise | 1,107 | $0.00 |
| Hall Michael JamesOfficer — GENERAL COUNSEL & SECRETARY | Nov 21, 2025 | Option exercise | 271 | $0.00 |
| Mccormick Robert JOfficer — CHAIRMAN, PRESIDENT & CEO | Nov 21, 2025 | Option exercise | 4,184 | $0.00 |
| Curley Kevin MOfficer — EXECUTIVE VICE PRESIDENT & CBO | Nov 19, 2025 | Option exercise | 1,100 | $0.00 |
| Leonard Robert MOfficer — EVP & CHIEF OPERATING OFFICER | Nov 19, 2025 | Option exercise | 1,283 | $0.00 |
| Hall Michael JamesOfficer — GENERAL COUNSEL & SECRETARY | Nov 19, 2025 | Option exercise | 403 | $0.00 |
| Mccormick Robert JOfficer — CHAIRMAN, PRESIDENT & CEO | Nov 19, 2025 | Option exercise | 3,483 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 723,943 | 8.7 | +0.5% |
| Apr 30, 2026 | 720,571 | 8.3 | +4.9% |
| Apr 15, 2026 | 687,016 | 7.0 | +6.0% |
| Mar 31, 2026 | 648,243 | 4.1 | +8.1% |
| Mar 13, 2026 | 599,874 | 4.4 | +21.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder vote · Other material eventMay 20, 2026
- Other material eventMay 20, 2026
- Results of operationsApr 21, 2026
- Other material eventApr 10, 2026
- Other material eventFeb 17, 2026
- Director / officer changeJan 29, 2026
- Regulation FD disclosureJan 29, 2026
- Results of operationsJan 21, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- S-3ASRMay 22, 2026
- S-8May 22, 2026
- 8-KMay 20, 2026
- 8-KMay 20, 2026
- 13F-HRMay 13, 2026
- SCHEDULE 13GMay 12, 2026
- 10-QMay 8, 2026
- SCHEDULE 13GApr 30, 2026
- 4FORM 4Apr 28, 2026
- 8-KApr 21, 2026
- 8-KApr 10, 2026
- ARSApr 1, 2026
- DEFA14AApr 1, 2026
- DEF 14AApr 1, 2026
- SCHEDULE 13G/AMar 27, 2026
Event-driven situations (1)
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