What is the 13F Pro Quality Score for TRST?

13F Pro ranks TRUSTCO BANK CORP N Y (TRST) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TRST's current score at https://13fpro.ai/research/TRST (free sign-up required for the full ranking).

Where does 13F Pro source TRST data?

All TRUSTCO BANK CORP N Y fundamentals and ownership data come directly from SEC EDGAR. TRUSTCO BANK CORP N Y files with the SEC under CIK 357301. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TRST in?

TRUSTCO BANK CORP N Y (TRST) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is TRST research updated on 13F Pro?

TRST's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TRUSTCO BANK CORP N Y(TRST)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

TRST Stock Analysis & AI Quality Score

AI stock analysis and institutional research for TRUSTCO BANK CORP N Y (TRST), a Financials sector company. TRST is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), TRUSTCO BANK CORP N Y reports quarterly revenue of $49.5M, net income of $16.3M, an operating margin of 43.6%. Top institutional holders of TRST by reported 13-F value include BlackRock,, SYSTEMATIC FINANCIAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. TRST trades on the Nasdaq exchange and files with the SEC under CIK 357301. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TRST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TRUSTCO BANK CORP N Y directly from SEC EDGAR.

Revenue

Q1 2026

$49.5M

Net Income

Q1 2026

$16.3M

Free Cash Flow

Q1 2026

$10.2M

Operating Margin

Q1 2026

43.6%

ROIC

Q1 2026

3.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-22.0% YoY

$58.6MFY 2023

FY17 $43.1MFY20 $52.5MFY22 $75.2MFY23 $58.6M

EPS (Diluted)

-21.6% YoY

$3.08FY 2023

FY17 $0.45FY20 $2.72FY22 $3.93FY23 $3.08

Total Assets

+2.8% YoY

$6.17BFY 2023

FY17 $4.91BFY20 $5.90BFY22 $6.00BFY23 $6.17B

Total Debt

-27.5% YoY

$89.0MFY 2023

FY17 $243.0MFY20 $214.8MFY22 $122.7MFY23 $89.0M

Op. Cash Flow

-18.4% YoY

$64.1MFY 2023

FY17 $61.7MFY20 $62.2MFY22 $78.6MFY23 $64.1M

Metric	FY 2023	FY 2022	FY 2020	FY 2017	FY 2016	FY 2015
Net Income	$58.6M -22.0%	$75.2M +43.4%	$52.5M +21.6%	$43.1M +1.3%	$42.6M +0.9%	$42.2M
EPS (Diluted)	$3.08 -21.6%	$3.93 +44.5%	$2.72 +507.1%	$0.45 +0.7%	$0.45 +0.2%	$0.44
Total Assets	$6.17B +2.8%	$6.00B +1.7%	$5.90B +20.2%	$4.91B +0.8%	$4.87B +2.8%	$4.73B
Total Debt	$89.0M -27.5%	$122.7M -42.9%	$214.8M -11.6%	$243.0M +16.0%	$209.4M +9.5%	$191.2M
Operating Cash Flow	$64.1M -18.4%	$78.6M +26.5%	$62.2M +0.8%	$61.7M +12.4%	$54.9M -8.5%	$60.0M

AI Insight: TRST Financial Trends

Net income grew steadily from $13M in Q2 2024 to $16M in Q1 2026, but debt surged 38% since Q2 2025 while equity declined.

• Net income increased from $13M in Q2 2024 to $16M in Q1 2026, showing consistent quarterly growth.

• Total debt jumped from $82M in Q2 2025 to $113M in Q1 2026, a 38% increase in three quarters.

• Equity declined from $693M in Q2 2025 to $671M in Q1 2026 after previously growing steadily.

⚠ Operating cash flow remains highly volatile, ranging from $1M to $27M across recent quarters with no clear pattern.

⚠ Debt-to-equity ratio deteriorated from 12% in Q2 2025 to 17% in Q1 2026 as leverage increased rapidly.

AI Insight: TRST Ratio Trends

ROIC surged from 7.8% in Q4 2024 to 11.0% in Q1 2026, while ROE climbed from 6.7% to 9.7% over the same period.

• ROIC improved from 7.8% in Q4 2024 to 11.0% in Q1 2026, marking five consecutive quarters of expansion.

• ROE recovered from 6.7% in Q4 2024 to 9.7% in Q1 2026, demonstrating consistent profitability gains.

• ROA stabilized at 1.0% from Q3 2025 through Q1 2026 after climbing from 0.7% in Q4 2024.

⚠ D/E ratio increased from 0.12 in Q2 2025 to 0.17 in Q1 2026, reversing prior deleveraging trend.

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Available Research

13F Pro tracks comprehensive data for TRUSTCO BANK CORP N Y including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TRST

BlackRock, Inc.
$112.4M2,566,363 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$51.0M1,165,133 sh
DIMENSIONAL FUND ADVISORS LP
$49.8M1,137,504 sh
STATE STREET CORP
$39.4M891,082 sh
HoldCo Asset Management, LP
$38.2M872,744 sh
VANGUARD CAPITAL MANAGEMENT LLC
$35.9M819,113 sh
AMERICAN CENTURY COMPANIES INC
$24.7M564,913 sh
GEODE CAPITAL MANAGEMENT, LLC
$21.8M498,625 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$16.3M372,698 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$12.8M291,369 sh

Fund	Value	Shares
BlackRock, Inc.	$112.4M	2,566,363
SYSTEMATIC FINANCIAL MANAGEMENT LP	$51.0M	1,165,133
DIMENSIONAL FUND ADVISORS LP	$49.8M	1,137,504
STATE STREET CORP	$39.4M	891,082
HoldCo Asset Management, LP	$38.2M	872,744
VANGUARD CAPITAL MANAGEMENT LLC	$35.9M	819,113
AMERICAN CENTURY COMPANIES INC	$24.7M	564,913
GEODE CAPITAL MANAGEMENT, LLC	$21.8M	498,625
VANGUARD PORTFOLIO MANAGEMENT LLC	$16.3M	372,698
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$12.8M	291,369

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Is TRST a good stock to buy?

13F Pro's AI-powered analysis of TRUSTCO BANK CORP N Y (TRST) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TRST are available on the TRST stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own TRST?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TRST. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TRUSTCO BANK CORP N Y's investment landscape.