TrustCo Bank Corp NY
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 185.92M | 205.86M | 244.52M | 263.15M | 278.33M | 5.8% | |
| Cost of Revenue | (2.12M) | (6.13M) | (55.61M) | (93.38M) | (91.64M) | -1.9% | |
Gross Profit | 183.79M | 199.74M | 188.91M | 169.77M | 186.72M | 10.0% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (53.71M) | (51.11M) | (57.42M) | (54.07M) | (65.29M) | 20.8% | |
| General & Administrative | (51.73M) | (49.06M) | (55.54M) | (52.27M) | (63.70M) | 21.9% | |
| Selling & Marketing | (1.98M) | (2.05M) | (1.88M) | (1.80M) | (1.58M) | -12.1% | |
| Depreciation & Amortization | (10.58M) | (10.55M) | (10.79M) | (11.44M) | (8.54M) | -25.4% | |
Operating Income (EBIT) | 82.13M | 99.42M | 77.61M | 64.05M | 81.21M | 26.8% | |
| Non-Operating Items | |||||||
| Interest Income | 167.98M | 186.60M | 226.21M | 243.32M | 259.42M | 6.6% | |
| Interest Expense | (7.57M) | (6.47M) | (54.36M) | (91.38M) | (90.44M) | -1.0% | |
| Other Income/Expenses (Net) | — | — | — | — | -400.00K | — | |
Income Before Tax | 82.13M | 99.42M | 77.61M | 64.05M | 80.81M | 26.2% | |
| Income Tax Expense | (20.61M) | (24.18M) | (18.97M) | (15.21M) | (19.68M) | 29.3% | |
Net Income | 61.52M | 75.23M | 58.65M | 48.83M | 61.14M | 25.2% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $3 | $4 | $3 | $3 | $3 | 26.5% | |
| Weighted Avg Shares Outstanding | 19.26M | 19.13M | 19.02M | 19.02M | 18.27M | -3.9% | |
| Weighted Avg Shares Outstanding (Diluted) | 19.26M | 19.13M | 19.02M | 19.04M | 18.33M | -3.7% | |
EBITDA | 92.72M | 109.97M | 88.40M | 75.48M | 89.75M | 18.9% |
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Small Cap