TrustCo Approves 2 Million Share Buyback Program to Enhance Shareholder Value
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 19 2025
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Should l Buy TRST?
Source: Globenewswire
- Buyback Program Initiation: TrustCo Bank Corp NY has announced the approval of a new stock repurchase program allowing for the buyback of up to 2 million shares, approximately 11% of its outstanding shares, aimed at enhancing shareholder value by reducing share count and increasing earnings per share.
- Market Flexibility: The repurchase program permits shares to be bought back in open market or private transactions, with management planning to execute over the next approximately twelve months based on market conditions and the company's financial performance, ensuring attractive pricing for repurchases.
- Successful Prior Buyback: The company completed a previously authorized buyback of 1 million shares earlier this month, demonstrating the effectiveness of its capital-building strategy and laying a solid foundation for the execution of the new program, thereby boosting investor confidence.
- Management Confidence: CEO Robert J. McCormick emphasized that the company's sound business model and low transactional risk make this buyback not only an investment in itself but also a reflection of confidence in future growth potential, aimed at continuously enhancing shareholder returns.
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Analyst Views on TRST
About TRST
TrustCo Bank Corp NY is a savings and loan holding company. The Company operates, through its principal subsidiary, Trustco Bank (the Bank). The Bank is a federal savings bank engaged in providing general banking services to individuals and businesses. The Bank provides a wide range of both personal and business banking services, including a full array of deposit products for both individuals and businesses. The Bank also offers trust and investment services through its Financial Services Department. Trustco Financial Services, the name under which the Bank’s trust department operates, serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, provides estate planning and related advice, provides custodial services, and acts as trustee for various types of employee benefit plans and corporate pension and profit-sharing trusts. The Bank operates about 154 automatic teller machines and 136 banking offices.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
TrustCo Bank Corp NY Reports Q4 Earnings Growth to $15.56 Million
- Significant Earnings Growth: TrustCo Bank's Q4 net income reached $15.56 million, translating to an EPS of $0.85, marking a 38.5% and 44.1% increase from last year's $11.28 million and $0.59, respectively, indicating a substantial improvement in profitability.
- Revenue Continues to Rise: The quarterly revenue grew by 12.4% to $43.73 million compared to $38.90 million last year, reflecting enhanced competitiveness and an expanding customer base for the company.
- Strong Financial Performance: TrustCo's EPS and total revenue exceeded market expectations, demonstrating its adaptability to changing economic conditions and ongoing growth potential, which may attract more investor interest.
- Increased Market Confidence: With the dual growth in earnings and revenue, TrustCo Bank solidifies its position in the financial market, likely driving its stock price upward and boosting investor confidence.
See More
TrustCo Bank Reports Q4 2025 Net Income of $15.6 Million, Up 38%
- Net Income Growth: TrustCo Bank reported a net income of $15.6 million for Q4 2025, a 38% increase from $11.3 million in Q4 2024, indicating strong revenue growth that boosts investor confidence.
- Earnings Per Share Increase: Diluted earnings per share rose to $0.85, up 44.1% from $0.59 in the same quarter last year, reflecting significant improvements in profitability that enhance shareholder returns.
- Net Interest Margin Expansion: The net interest margin increased to 2.82% from 2.60% in 2024, a rise of 22 basis points, primarily driven by higher asset yields and effective deposit pricing strategies, further solidifying the company's competitive position.
- Stock Repurchase Program: TrustCo repurchased one million shares, or 5.3% of its common stock, in 2025, with plans to buy back an additional two million shares in 2026, demonstrating confidence in its value and commitment to shareholders.
See More
TrustCo Bank (TRST) Reports Q4 EPS of $0.85 with 11.2% Revenue Growth
- Earnings Highlights: TrustCo Bank reported a Q4 GAAP EPS of $0.85, indicating robust profitability and reflecting the company's strong financial health in a competitive market.
- Revenue Growth: The bank's revenue reached $48.16 million in Q4, marking an 11.2% year-over-year increase, primarily driven by effective business expansion and an increasing customer base, further solidifying its market position.
- Net Interest Margin Improvement: The net interest margin rose from 2.60% to 2.82%, an increase of 22 basis points, demonstrating TrustCo's effectiveness in asset-liability management and enhancing its profitability.
- Return on Assets Enhancement: The return on average assets improved to 0.97%, up 32.9% from 0.73%, showcasing significant improvements in resource allocation and profitability, thereby boosting investor confidence.
See More
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- Conference Call Timing: The company will hold a conference call on January 22, 2026, at 9:00 a.m. Eastern Time to discuss the earnings report, providing investors with a direct communication channel with management to facilitate information exchange.
- Replay Service: A replay of the conference call will be available for 30 days, ensuring that investors who cannot participate live can access key information, thereby improving investor relations management effectiveness.
- Company Background: TrustCo Bank is a $6.3 billion savings and loan holding company operating 134 offices across New York, New Jersey, and Florida, demonstrating its solid position in the regional financial market.
See More
TrustCo Bank Plans to Repurchase Up to 2 Million Shares
New Stock Repurchase Program: TrustCo Bank Corp NY has authorized a new stock repurchase program allowing the buyback of up to 2 million shares, which is about 11% of its outstanding shares.
Completion of Previous Program: This new authorization comes after the successful completion of a prior program that involved the repurchase of one million shares, finalized earlier this month.
See More
TrustCo Approves 2 Million Share Buyback Program to Enhance Shareholder Value
- Buyback Program Initiation: TrustCo Bank Corp NY has announced the approval of a new stock repurchase program allowing for the buyback of up to 2 million shares, approximately 11% of its outstanding shares, aimed at enhancing shareholder value by reducing share count and increasing earnings per share.
- Market Flexibility: The repurchase program permits shares to be bought back in open market or private transactions, with management planning to execute over the next approximately twelve months based on market conditions and the company's financial performance, ensuring attractive pricing for repurchases.
- Successful Prior Buyback: The company completed a previously authorized buyback of 1 million shares earlier this month, demonstrating the effectiveness of its capital-building strategy and laying a solid foundation for the execution of the new program, thereby boosting investor confidence.
- Management Confidence: CEO Robert J. McCormick emphasized that the company's sound business model and low transactional risk make this buyback not only an investment in itself but also a reflection of confidence in future growth potential, aimed at continuously enhancing shareholder returns.
See More
TrustCo Bank Corp NY Reports Q4 Earnings Growth to $15.56 Million
- Significant Earnings Growth: TrustCo Bank's Q4 net income reached $15.56 million, translating to an EPS of $0.85, marking a 38.5% and 44.1% increase from last year's $11.28 million and $0.59, respectively, indicating a substantial improvement in profitability.
- Revenue Continues to Rise: The quarterly revenue grew by 12.4% to $43.73 million compared to $38.90 million last year, reflecting enhanced competitiveness and an expanding customer base for the company.
- Strong Financial Performance: TrustCo's EPS and total revenue exceeded market expectations, demonstrating its adaptability to changing economic conditions and ongoing growth potential, which may attract more investor interest.
- Increased Market Confidence: With the dual growth in earnings and revenue, TrustCo Bank solidifies its position in the financial market, likely driving its stock price upward and boosting investor confidence.
See More
TrustCo Bank Reports Q4 2025 Net Income of $15.6 Million, Up 38%
- Net Income Growth: TrustCo Bank reported a net income of $15.6 million for Q4 2025, a 38% increase from $11.3 million in Q4 2024, indicating strong revenue growth that boosts investor confidence.
- Earnings Per Share Increase: Diluted earnings per share rose to $0.85, up 44.1% from $0.59 in the same quarter last year, reflecting significant improvements in profitability that enhance shareholder returns.
- Net Interest Margin Expansion: The net interest margin increased to 2.82% from 2.60% in 2024, a rise of 22 basis points, primarily driven by higher asset yields and effective deposit pricing strategies, further solidifying the company's competitive position.
- Stock Repurchase Program: TrustCo repurchased one million shares, or 5.3% of its common stock, in 2025, with plans to buy back an additional two million shares in 2026, demonstrating confidence in its value and commitment to shareholders.
See More
TrustCo Bank (TRST) Reports Q4 EPS of $0.85 with 11.2% Revenue Growth
- Earnings Highlights: TrustCo Bank reported a Q4 GAAP EPS of $0.85, indicating robust profitability and reflecting the company's strong financial health in a competitive market.
- Revenue Growth: The bank's revenue reached $48.16 million in Q4, marking an 11.2% year-over-year increase, primarily driven by effective business expansion and an increasing customer base, further solidifying its market position.
- Net Interest Margin Improvement: The net interest margin rose from 2.60% to 2.82%, an increase of 22 basis points, demonstrating TrustCo's effectiveness in asset-liability management and enhancing its profitability.
- Return on Assets Enhancement: The return on average assets improved to 0.97%, up 32.9% from 0.73%, showcasing significant improvements in resource allocation and profitability, thereby boosting investor confidence.
See More
TrustCo Bank to Release Q4 2025 Results on January 21, 2026
- Earnings Release Schedule: TrustCo Bank will release its Q4 2025 results after market close on January 21, 2026, ensuring timely access to financial information for investors and enhancing market transparency.
- Conference Call Timing: The company will hold a conference call on January 22, 2026, at 9:00 a.m. Eastern Time to discuss the earnings report, providing investors with a direct communication channel with management to facilitate information exchange.
- Replay Service: A replay of the conference call will be available for 30 days, ensuring that investors who cannot participate live can access key information, thereby improving investor relations management effectiveness.
- Company Background: TrustCo Bank is a $6.3 billion savings and loan holding company operating 134 offices across New York, New Jersey, and Florida, demonstrating its solid position in the regional financial market.
See More
TrustCo Bank Plans to Repurchase Up to 2 Million Shares
New Stock Repurchase Program: TrustCo Bank Corp NY has authorized a new stock repurchase program allowing the buyback of up to 2 million shares, which is about 11% of its outstanding shares.
Completion of Previous Program: This new authorization comes after the successful completion of a prior program that involved the repurchase of one million shares, finalized earlier this month.
See More
TrustCo Approves 2 Million Share Buyback Program to Enhance Shareholder Value
- Buyback Program Initiation: TrustCo Bank Corp NY has announced the approval of a new stock repurchase program allowing for the buyback of up to 2 million shares, approximately 11% of its outstanding shares, aimed at enhancing shareholder value by reducing share count and increasing earnings per share.
- Market Flexibility: The repurchase program permits shares to be bought back in open market or private transactions, with management planning to execute over the next approximately twelve months based on market conditions and the company's financial performance, ensuring attractive pricing for repurchases.
- Successful Prior Buyback: The company completed a previously authorized buyback of 1 million shares earlier this month, demonstrating the effectiveness of its capital-building strategy and laying a solid foundation for the execution of the new program, thereby boosting investor confidence.
- Management Confidence: CEO Robert J. McCormick emphasized that the company's sound business model and low transactional risk make this buyback not only an investment in itself but also a reflection of confidence in future growth potential, aimed at continuously enhancing shareholder returns.
See More
