TrustCo Bank Corp NY — Earnings Quality Grade A
TRST · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 9.4%, CFFO -3.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 142.9% is >2x revenue growth 9.4%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.94. Profits backed by cash
FCF $0.0B, FCF/NI = 0.75
Accruals ratio = 0.1%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
TrustCo Bank Corp NY is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25