TRST Trustco Bank Corp N Y (TRST) Insider Trading, Ownership & Congress Trades
Banks · State commercial banks · CIK 0000357301
Activist 13DC-suite buying · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
79
13F, latest reported quarter
What the filings say about TRST
Insiders, 180 days
+$36.0K net bought
2 buyers
Activist stakes (13D), 180 days
1 filing
Largest: 5.1% of the class
Trustco Bank Corp N Y insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, TRUSTCO BANK CORP N Y insiders bought a net $36.0K of stock across 93 Form 4 purchases and sales, with 2 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Aug 12, 2026.
- The trade is 80.9% of the 539 shares held after it.
- No other insider bought within 30 days.
- 79 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: VP,Treasurer, Asst. Corp. Sec. McCormick Lauren Ann bought about $25.0K of TRST on Sep 2, 2026; 79 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 100.0% of the 103 shares held after it.
- No other insider bought within 30 days.
- 79 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: VP,Treasurer, Asst. Corp. Sec. McCormick Lauren Ann bought about $5.8K of TRST on Aug 12, 2026; 79 funds added in the latest 13F quarter.Context
- 4 earlier Form 4 trades (code P or S) here by this insider (4 buys), the last on Nov 26, 2025.
- -10.0% median (-9.2% mean) 90-day return after 3 previous buys.
- The trade is 100.0% of the 100 shares held after it.
- No other insider bought within 30 days.
- 79 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director LUCARELLI LISA M bought about $5.2K of TRST on Jun 4, 2026; 79 funds added in the latest 13F quarter.Context
- 5 earlier Form 4 trades (code P or S) here by this insider (5 buys), the last on Nov 16, 2023.
- -0.7% median (-3.4% mean) 90-day return after 5 previous buys.
- The trade is 2.1% of the 4,892 shares held after it.
- No other insider bought within 30 days.
- 79 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Silverman Frank B bought about $4.8K of TRST on Apr 24, 2026; 79 funds added in the latest 13F quarter.Context
- 18 earlier Form 4 trades (code P or S) here by this insider (18 buys), the last on Apr 25, 2025.
- +4.3% median (+4.4% mean) 90-day return after 16 previous buys.
- The trade is 1.4% of the 40,984 shares held after it.
- No other insider bought within 30 days.
- 79 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EXECUTIVE VICE PRESIDENT & COO CURLEY KEVIN M bought about $25.0K of TRST on Mar 12, 2026, the largest insider purchase at the company since 2024; 79 funds added in the latest 13F quarter.93 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net +$36.0K over 180 days
+$30.8K over 90 days
more than 77% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
79 funds bought in last quarter
below 60% of Banks
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
$48.5M repurchased, FY to 2026-06-30
more than 76% of Banks
Short interest
8.1% of the float short (float per yahoo 2026-10-26) · 7.9 days to cover · settled 2026-09-30
more than 91% of Banks
The situation: each line is one rule over one dataset
HoldCo Opportunities Fund V, L.P. disclosed a 5%+ stake (5.1%) in the last six months.
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch TRST
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+56.9%12M
Insider buy13D/G stake
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns TRST: institutional holders (13F)
13F holdings, latest reported quarter
2,517,431 sh
$138.2M
1,140,201 sh
$62.6M
1,101,023 sh
$60.5M
922,845 sh
$51.0M
872,744 sh
$47.9M
Congress trades in TRST
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
13D: intends to influence · 13G: passive
HoldCo Opportunities Fund V, L.P.
Activist 13D · 2026-07-28
5.1%
VM GP X LLC
Activist 13D · 2026-07-28
5.1%
HoldCo Asset Management, LP
Activist 13D · 2026-07-28
5.1%
VM GP II LLC
Activist 13D · 2026-07-28
5.1%
Zaitzeff Michael
Activist 13D · 2026-07-28
5.1%
TRST planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
TRST mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
The Gabelli Global Financial Services Fund
$6.1M position · as of 2026-06-30
4.3%
Gabelli SRI Fund, Inc.
$325.3K position · as of 2026-06-30
1.5%
Transamerica Small Cap Value
$1.7M position · as of 2026-07-31
1.5%
First Trust Dow Jones Select MicroCap Index Fund
$3.2M position · as of 2026-06-30
1.2%
Invesco S&P SmallCap Low Volatility ETF
$2.0M position · as of 2026-05-31
0.9%
First Trust Active Factor Small Cap ETF
$695.7K position · as of 2026-05-31
0.7%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. McCormick
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2023
$3.1M
$2.7M
$1.3M
-14%
+1%
2022
$3.4M
$3.8M
$1.6M
-2%
-2%
2021
$3.2M
$3.4M
$1.5M
-17%
+19%
2020
$3.2M
$2.8M
$1.6M
-20%
-13%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
An activist crossed the 5% line with declared intent.
The record shows a net $36.0K bought by insiders over 180 days, 79 funds added last quarter. Each figure is a federal filing, dated the day it went public.
TRST financials
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Revenue, TTM TRST
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Net margin, TTM TRST
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$59.8M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM TRST
| FY Dec 2025 | $45.7M |
| FY Dec 2024 | $54.6M |
| FY Dec 2023 | $58.5M |
| FY Dec 2022 | $74.8M |
| FY Dec 2021 | $52.5M |
| Jun 2026 | $25.5M |
| Mar 2026 | $10.2M |
| Dec 2025 | $14.1M |
| Sep 2025 | $10.0M |
| Jun 2025 | $24.9M |
| Mar 2025 | -$3.3M |
| Dec 2024 | $12.0M |
| Sep 2024 | $15.6M |
At each fiscal year end
Single quarter
Debt to equity
0.17x
current debt only, 2026-06-30; equity 2026-06-30
Debt to equity TRST
| FY Dec 2025 | 0.17x |
| FY Dec 2024 | 0.13x |
| FY Dec 2023 | 0.14x |
| FY Dec 2022 | 0.20x |
| FY Dec 2021 | 0.41x |
| Jun 2026 | 0.17x |
| Mar 2026 | 0.17x |
| Dec 2025 | 0.17x |
| Sep 2025 | 0.14x |
| Jun 2025 | 0.12x |
| Mar 2025 | 0.12x |
| Dec 2024 | 0.13x |
| Sep 2024 | 0.14x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.64x
TTM operating cash flow over current debt only, 2026-06-30
Cash flow to debt TRST
| FY Dec 2025 | 0.48x |
| FY Dec 2024 | 0.70x |
| FY Dec 2023 | 0.72x |
| FY Dec 2022 | 0.64x |
| FY Dec 2021 | 0.23x |
| Jun 2026 | 0.64x |
| Mar 2026 | 0.60x |
| Dec 2025 | 0.48x |
| Sep 2025 | 0.57x |
| Jun 2025 | 0.72x |
| Mar 2025 | 0.62x |
| Dec 2024 | 0.70x |
| Sep 2024 | 0.69x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+9.6%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity TRST
| FY Dec 2025 | +9.0% |
| FY Dec 2024 | +7.4% |
| FY Dec 2023 | +9.4% |
| FY Dec 2022 | +12.5% |
| FY Dec 2021 | +10.5% |
| Jun 2026 | +9.6% |
| Mar 2026 | +9.3% |
| Dec 2025 | +9.0% |
| Sep 2025 | +8.4% |
| Jun 2025 | +7.9% |
| Mar 2025 | +7.6% |
| Dec 2024 | +7.4% |
| Sep 2024 | +7.3% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets TRST
| FY Dec 2025 | +1.0% |
| FY Dec 2024 | +0.8% |
| FY Dec 2023 | +1.0% |
| FY Dec 2022 | +1.2% |
| FY Dec 2021 | +1.0% |
| Jun 2026 | +1.0% |
| Mar 2026 | +1.0% |
| Dec 2025 | +1.0% |
| Sep 2025 | +0.9% |
| Jun 2025 | +0.9% |
| Mar 2025 | +0.8% |
| Dec 2024 | +0.8% |
| Sep 2024 | +0.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital TRST
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed TRST
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
15.74x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing TRST
| FY Dec 2025 | 12.76x |
| FY Dec 2024 | 12.91x |
| FY Dec 2023 | 10.11x |
| FY Dec 2022 | 9.59x |
| FY Dec 2021 | 10.44x |
| Jun 2026 | 15.30x |
| Mar 2026 | 12.88x |
| Dec 2025 | 12.76x |
| Sep 2025 | 12.10x |
| Jun 2025 | 11.85x |
| Mar 2025 | 11.33x |
| Dec 2024 | 12.91x |
| Sep 2024 | 13.28x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$374.0M
market value at close 2026-10-27 on 2026-07-31 shares, plus current debt only, 2026-06-30, minus cash 2026-06-30
Enterprise value TRST
| FY Dec 2025 | $151.1M |
| FY Dec 2024 | $76.2M |
| FY Dec 2023 | $101.7M |
| FY Dec 2022 | $188.3M |
| FY Dec 2021 | -$334.6M |
| Jun 2026 | $371.3M |
| Mar 2026 | $120.2M |
| Dec 2025 | $151.1M |
| Sep 2025 | $86.5M |
| Jun 2025 | $4.4M |
| Mar 2025 | -$94.1M |
| Dec 2024 | $76.2M |
| Sep 2024 | $197.2M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+6.2%
TTM free cash flow over market value at close 2026-10-27
FCF yield TRST
| FY Dec 2025 | +6.0% |
| FY Dec 2024 | +8.6% |
| FY Dec 2023 | +9.9% |
| FY Dec 2022 | +10.5% |
| FY Dec 2021 | +8.2% |
| Jun 2026 | +6.2% |
| Mar 2026 | +7.6% |
| Dec 2025 | +6.0% |
| Sep 2025 | +6.4% |
| Jun 2025 | +7.7% |
| Mar 2025 | +7.2% |
| Dec 2024 | +8.6% |
| Sep 2024 | +9.1% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.58x
P/E over trailing EPS growth of 27%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing TRST
| FY Dec 2025 | 0.50x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | 0.42x |
| FY Dec 2021 | 0.22x |
| Jun 2026 | 0.56x |
| Mar 2026 | 0.49x |
| Dec 2025 | 0.50x |
| Sep 2025 | 0.59x |
| Jun 2025 | 1.27x |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Net income | $61.1M | $48.8M | $58.6M | $75.2M |
| EPS (diluted) | 3.25 | 2.57 | 3.08 | 3.93 |
| Operating cash flow | $57.6M | $59.4M | $64.1M | $78.6M |
| Cash | $730.4M | $641.8M | $578.0M | $650.6M |
| Buybacks | $38.1M | $374.0K | $0 | $7.0M |
| Dividends paid | $27.6M | $27.4M | $27.4M | $27.0M |
SEC XBRL, fiscal years, as known on 2026-10-28
TRST Stock Sonar score 5/7 axes
Find similar shapesCompareTRST ranks highest on insider conviction (74th percentile) and financial health (61st), and lowest on risk and compliance (8th), among Banks peers.
5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
TRST filings, in plain words
Are Trustco Bank Corp N Y insiders buying or selling TRST?
In the 180 days to 2026-10-28, Trustco Bank Corp N Y insiders were net buyers, a net $36.0K across purchases and sales reported on Form 4, by 2 buyers.
Read the full summary
In the 180 days to 2026-10-28, Trustco Bank Corp N Y insiders were net buyers of TRST, a net $36.0K across purchases and sales reported on Form 4 by 2 buyers. 1 activist Schedule 13D filing in the last 180 days declared an intent to influence the company, the largest for 5.1% of the class. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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