TrustCo Bank Corp NY (TRST) — Cash Flow Quality Index
TrustCo Bank Corp NY (TRST) has a Cash Flow Quality Index of 0.73x as of March 2026. Operating cash flow of $11.82 Million is below net income of $16.29 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore TrustCo Bank Corp NY cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
TrustCo Bank Corp NY Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for TrustCo Bank Corp NY across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of TrustCo Bank Corp NY.
Annual Cash Flow Quality Index for TrustCo Bank Corp NY (1989–2025)
Year-by-year earnings quality comparison for TrustCo Bank Corp NY.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.94x | $57.60 Million | $61.14 Million | ▼ -22.6% |
| 2024 | 1.22x | $59.44 Million | $48.83 Million | ▲ +11.3% |
| 2023 | 1.09x | $64.13 Million | $58.65 Million | ▲ +4.6% |
| 2022 | 1.05x | $78.63 Million | $75.23 Million | ▲ +16.1% |
| 2021 | 0.90x | $55.37 Million | $61.52 Million | ▼ -24.1% |
| 2020 | 1.19x | $62.16 Million | $52.45 Million | ▲ +7.4% |
| 2019 | 1.10x | $63.80 Million | $57.84 Million | ▲ +0.2% |
| 2018 | 1.10x | $67.64 Million | $61.45 Million | ▼ -23.0% |
| 2017 | 1.43x | $61.69 Million | $43.15 Million | ▲ +11.0% |
| 2016 | 1.29x | $54.89 Million | $42.60 Million | ▼ -9.3% |
| 2015 | 1.42x | $60.01 Million | $42.24 Million | ▲ +14.2% |
| 2014 | 1.24x | $54.99 Million | $44.19 Million | ▼ -29.1% |
| 2013 | 1.76x | $69.89 Million | $39.81 Million | ▲ +12.4% |
| 2012 | 1.56x | $58.63 Million | $37.53 Million | ▼ -15.7% |
| 2011 | 1.85x | $61.32 Million | $33.09 Million | ▲ +12.1% |
| 2010 | 1.65x | $48.48 Million | $29.32 Million | ▼ -67.3% |
| 2009 | 5.05x | $142.07 Million | $28.12 Million | ▼ -55.7% |
| 2008 | 11.40x | $388.53 Million | $34.08 Million | ▲ +309.2% |
| 2007 | 2.79x | $109.96 Million | $39.47 Million | ▲ +161.0% |
| 2006 | 1.07x | $48.38 Million | $45.33 Million | ▲ +41.1% |
| 2005 | 0.76x | $44.64 Million | $58.99 Million | ▼ -4.8% |
| 2004 | 0.79x | $44.93 Million | $56.54 Million | ▲ +10.6% |
| 2003 | 0.72x | $38.10 Million | $53.03 Million | ▼ -32.7% |
| 2002 | 1.07x | $52.55 Million | $49.24 Million | ▲ +11.0% |
| 2001 | 0.96x | $43.76 Million | $45.51 Million | ▼ -28.7% |
| 2000 | 1.35x | $56.22 Million | $41.70 Million | ▲ +20.9% |
| 1999 | 1.12x | $42.60 Million | $38.20 Million | ▼ -22.4% |
| 1998 | 1.44x | $50.30 Million | $35.00 Million | ▼ -12.7% |
| 1997 | 1.65x | $53.00 Million | $32.20 Million | ▲ +78.9% |
| 1996 | 0.92x | $26.40 Million | $28.70 Million | ▼ -35.9% |
| 1995 | 1.44x | $36.60 Million | $25.50 Million | ▼ -25.5% |
| 1994 | 1.93x | $44.10 Million | $22.90 Million | ▲ +223.8% |
| 1993 | -1.56x | $-36.70 Million | $23.60 Million | ▼ -189.8% |
| 1992 | 1.73x | $30.30 Million | $17.50 Million | ▲ +95.9% |
| 1991 | 0.88x | $11.40 Million | $12.90 Million | ▼ -46.2% |
| 1990 | 1.64x | $17.40 Million | $10.60 Million | ▲ +8.7% |
| 1989 | 1.51x | $14.20 Million | $9.40 Million | — |