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TrustCo Bank NY Earnings Calls
| Release date | Oct 21, 2025 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS Surprise | 17.81% |
| Revenue estimate | 47.27M |
| Revenue actual | 47.808M |
| Revenue Surprise | 1.14% |
| Release date | Jul 21, 2025 |
| EPS estimate | $0.690 |
| EPS actual | $0.790 |
| EPS Surprise | 14.49% |
| Revenue estimate | 46.16M |
| Revenue actual | 46.598M |
| Revenue Surprise | 0.95% |
| Release date | Apr 21, 2025 |
| EPS estimate | $0.650 |
| EPS actual | $0.750 |
| EPS Surprise | 15.38% |
| Revenue estimate | 44.99M |
| Revenue actual | 45.319M |
| Revenue Surprise | 0.731% |
| Release date | Mar 14, 2025 |
| EPS estimate | - |
| EPS actual | $0.593 |
| Revenue estimate | - |
| Revenue actual | 66.318M |
Last 4 Quarters for TrustCo Bank NY
Below you can see how TRST performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Mar 14, 2025 |
| Price on release | $30.38 |
| EPS estimate | - |
| EPS actual | $0.593 |
| Date | Price |
|---|---|
| Mar 10, 2025 | $30.03 |
| Mar 11, 2025 | $29.86 |
| Mar 12, 2025 | $29.92 |
| Mar 13, 2025 | $29.65 |
| Mar 14, 2025 | $30.38 |
| Mar 17, 2025 | $30.30 |
| Mar 18, 2025 | $30.38 |
| Mar 19, 2025 | $31.29 |
| Mar 20, 2025 | $30.67 |
| 4 days before | 1.17% |
| 4 days after | 0.95% |
| On release day | -0.263% |
| Change in period | 2.13% |
| Release date | Apr 21, 2025 |
| Price on release | $28.43 |
| EPS estimate | $0.650 |
| EPS actual | $0.750 |
| EPS surprise | 15.38% |
| Date | Price |
|---|---|
| Apr 14, 2025 | $27.87 |
| Apr 15, 2025 | $28.17 |
| Apr 16, 2025 | $28.45 |
| Apr 17, 2025 | $28.52 |
| Apr 21, 2025 | $28.43 |
| Apr 22, 2025 | $29.84 |
| Apr 23, 2025 | $30.40 |
| Apr 24, 2025 | $30.72 |
| Apr 25, 2025 | $30.36 |
| 4 days before | 2.01% |
| 4 days after | 6.79% |
| On release day | 4.96% |
| Change in period | 8.93% |
| Release date | Jul 21, 2025 |
| Price on release | $35.27 |
| EPS estimate | $0.690 |
| EPS actual | $0.790 |
| EPS surprise | 14.49% |
| Date | Price |
|---|---|
| Jul 15, 2025 | $34.22 |
| Jul 16, 2025 | $34.61 |
| Jul 17, 2025 | $35.34 |
| Jul 18, 2025 | $35.24 |
| Jul 21, 2025 | $35.27 |
| Jul 22, 2025 | $35.72 |
| Jul 23, 2025 | $35.90 |
| Jul 24, 2025 | $34.89 |
| Jul 25, 2025 | $34.70 |
| 4 days before | 3.07% |
| 4 days after | -1.62% |
| On release day | 1.28% |
| Change in period | 1.40% |
| Release date | Oct 21, 2025 |
| Price on release | $36.21 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS surprise | 17.81% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $36.32 |
| Oct 16, 2025 | $34.65 |
| Oct 17, 2025 | $35.11 |
| Oct 20, 2025 | $36.29 |
| Oct 21, 2025 | $36.21 |
| Oct 22, 2025 | $36.92 |
| Oct 23, 2025 | $36.92 |
| Oct 24, 2025 | $37.69 |
| Oct 27, 2025 | $38.02 |
| 4 days before | -0.303% |
| 4 days after | 5.00% |
| On release day | 1.96% |
| Change in period | 4.68% |
TrustCo Bank NY Earnings Call Transcript Summary of Q3 2025
TrustCo reported a strong 2025 Q3: net income of $16.3M, up 26.3% year-over-year, with return on average assets of 1.02% and ROAE of 9.29%. Net interest income rose to $43.1M (+11.5%) and net interest margin expanded to 2.79% (+18 bps). Average loans reached an all-time high of $5.2B (up 2.5% Y/Y) driven by home equity (+15.7%) and residential mortgage growth; deposits finished at $5.5B (up $217M Y/Y). Asset quality remains strong: nonperforming loans were $18.5M (0.36% of loans) and the allowance for credit losses was $51.9M with a coverage ratio of 281%. Wealth management AUM was ~$1.25B and represents a meaningful recurring fee stream. Capital is solid (equity-to-assets ~10.9%), and the bank is actively returning capital: 467,000 shares repurchased YTD under a 1,000,000 share authorization (about 298,000 repurchased this quarter) and management expects to complete the program and seek additional buyback authority. Management sees further net interest income upside as roughly $1B of CDs roll off (avg. rate ~3.75%) and can be repriced given the current highest offered rate of 4% (3-month). Management reiterated disciplined underwriting, conservative credit standards, limited commercial concentration, and focus on organic loan growth and selective branch expansion (noting interest in Pasco County, FL).
