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TrustCo Bank Corp NY

TRST Finance Major Banks
$55.73
▲ +2.8% Today
as of Oct 23, 16:53 ET
Last 30 days -4.93% Sep 14 → Oct 23
$53.15 $54.75 $56.35 $57.95 $59.55 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$55.75
High
$55.80
Low
$54.93
Volume
$102,104
Avg Vol
$118,745
Mkt Cap
$924M
P/E (TTM)
19.75
Beta
—
52w High
$59.28
52w Low
$36.93
Div Yield
—
Shares Out
$17M

Recent Press Releases & News last 60 days · 10 items

Oct 23 · 03:16 Simply Wall St.
TrustCo Bank (TRST) Stock Can Q3 Earnings Justify Its Rich Valuation
Oct 22 · 23:04 GuruFocus.com
Trustco Bank Corp N Y (TRST) (Q3 2026) Earnings Call Highlights: Net Income Climbs 6. ...
Oct 22 · 17:14 Motley Fool
TrustCo Bank (TRST) Q3 2026 Earnings Call Transcript
▸ Show all 10 press releases & news Free account →

TRST earnings at a glance

The options market is pricing a move of about ±9.2% after the report, a range of roughly $50.59 to $60.87 from today's $55.73. Over its last 3 reports the stock rose the next day 3 times and fell 0, moving ±2.7% on average; after the most recent report on Oct 21, 2025 it moved +2.0%. That means options currently expect more movement than TRST has typically delivered. Implied volatility is currently 57%. The share price of $55.73 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$37
$59
84% of range
Avg surprise (last 0)
—
Avg reaction (last 3)
+2.7%
100% positive
Latest IV / EM
57%
EM ±9.2% · $55 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.64$0.72$0.81$0.90$0.98 Actual $0.93Actual $0.86Actual $0.77Actual $0.64Actual $0.66Actual $0.68Actual $0.75Actual $0.79Actual $0.86Actual $0.91Actual $0.98 MarJunSepMarJunSepMar/2025Jun/2025Sep/2025MarJun
Revenue vs Net Income Revenue Net income
$0$4M$9M$13M$18M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.98 — — — — financials
Tue Mar 31, 2026Mar 2026 $0.91 — — — — financials
Tue Oct 21, 2025Sep/2025 $0.86 — — — +2.0% earnings
Mon Jul 21, 2025Jun/2025 $0.79 — — — +1.3% earnings
Mon Apr 21, 2025Mar/2025 $0.75 — — — +5.0% earnings
Mon Sep 30, 2024Sep 2024 $0.68 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.66 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.64 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.77 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.86 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.93 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$17M$16M—$16M$15M$14M—$13M
EPS (diluted)$0.98$0.91—$0.86$0.79$0.75—$0.68

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$697M$768M$730M$696M$714M$756M$642M$523M
Inventory————————
Total current assets————————
Total assets$6.52B$6.51B$6.44B$6.35B$6.35B$6.34B$6.24B$6.11B
Long-term debt————————
Total liabilities$5.87B$5.84B$5.75B$5.66B$5.66B$5.65B$5.56B$5.44B
Total equity$656M$671M$687M$692M$693M$688M$676M$669M

Implied volatility — last 90 days

37%89%141%193%245% Jun 07 — IV 73% · EM ±10.1%Jun 08 — IV 73% · EM ±9.6%Jun 09 — IV 76% · EM ±9.5%Jun 15 — IV 126% · EM ±9.1%Jun 16 — IV 123% · EM ±7.2%Jun 17 — IV 246% · EM ±10.3%Jun 19 — IV 52% · EM ±11.5%Jun 22 — IV 52% · EM ±10.8%Jun 23 — IV 50% · EM ±10.3%Jun 24 — IV 51% · EM ±10.3%Jun 25 — IV 49% · EM ±9.7%Jun 26 — IV 49% · EM ±9.3%Jun 29 — IV 53% · EM ±9.3%Jun 30 — IV 54% · EM ±9.3%Jul 09 — IV 78% · EM ±9.3%Jul 10 — IV 84% · EM ±9.3%Jul 20 — IV 39% · EM ±9.2%Jul 21 — IV 37% · EM ±8.7%Jul 22 — IV 41% · EM ±9.4%Jul 23 — IV 40% · EM ±9.0%Jul 24 — IV 51% · EM ±11.3%Jul 27 — IV 43% · EM ±8.9%Jul 28 — IV 46% · EM ±9.3%Jul 29 — IV 49% · EM ±9.8%Jul 30 — IV 46% · EM ±9.0%Jul 31 — IV 50% · EM ±9.7%Aug 03 — IV 64% · EM ±11.4%Aug 04 — IV 60% · EM ±10.3%Aug 05 — IV 59% · EM ±9.8%Aug 06 — IV 56% · EM ±9.0%Aug 07 — IV 59% · EM ±9.3%Aug 10 — IV 69% · EM ±9.6%Aug 12 — IV 75% · EM ±9.4%Aug 13 — IV 82% · EM ±9.6%Aug 14 — IV 73% · EM ±8.0%Aug 17 — IV 56% · EM ±4.7%Aug 18 — IV 83% · EM ±6.0%Aug 19 — IV 153% · EM ±9.0%Aug 24 — IV 49% · EM ±10.1%Aug 25 — IV 44% · EM ±9.0%Aug 26 — IV 48% · EM ±9.6%Aug 27 — IV 50% · EM ±9.8%Aug 28 — IV 54% · EM ±10.3%Aug 31 — IV 55% · EM ±9.7%Sep 01 — IV 55% · EM ±9.4%Sep 02 — IV 53% · EM ±8.9%Sep 03 — IV 61% · EM ±9.9%Sep 04 — IV 62% · EM ±9.7%Sep 07 — IV 70% · EM ±9.7%Sep 08 — IV 74% · EM ±9.7%Sep 09 — IV 76% · EM ±9.6%Sep 10 — IV 75% · EM ±8.9%Sep 11 — IV 80% · EM ±8.9%Sep 15 — IV 180% · EM ±13.0%Sep 16 — IV 156% · EM ±9.2%Sep 17 — IV 221% · EM ±9.2%Sep 21 — IV 48% · EM ±10.0%Sep 22 — IV 51% · EM ±10.4%Sep 23 — IV 46% · EM ±9.2%Sep 24 — IV 46% · EM ±9.0%Sep 25 — IV 49% · EM ±9.4%Sep 28 — IV 52% · EM ±9.2%Oct 01 — IV 57% · EM ±9.2%

Sector peers

HAFC
Hanmi Financial Corporation
$930M $32.15+2.1%
CPF
CPB Inc.
$934M $37.69+2.2%
CAC
Camden National Corporation
$946M $57.84+2.5%
FCBC
First Community Bankshares, Inc.
$899M $48.54+0.4%
SBSI
Southside Bancshares, Inc.
$897M $31.76+3.1%
EQBK
Equity Bancshares, Inc.
$968M $48.88+2.8%

TRST earnings FAQ

What is TRST's expected move for earnings?

Options currently price a move of about ±9.2%, or $5.14 per share either way from $55.73.

How does TRST stock usually react to earnings?

Across the last 3 reports the average next-day move was ±2.7%, up 3 times and down 0 times.

What is TRST's implied volatility?

TRST's at-the-money implied volatility is about 57% based on the latest options snapshot.

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