$56.51

+0.11 (+0.20%)

After Hours: $51.91 (-4.60, -8.15%)

Weekly Expected Move ±2.9%

$52 $54 $56 $57 $59

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 55 · $960.4M mcap · 16M float · 0.797% daily turnover · Short 58% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Income Trends

Revenue

$278M +5.8% ▲

5Y CAGR: +7.3%

Gross Profit

$187M +10.0% ▲

5Y CAGR: +2.5%

Operating Income

$81M +26.8% ▲

5Y CAGR: +3.2%

Net Income

$61M +25.2% ▲

5Y CAGR: +3.1%

EPS (Diluted)

$3.25 +26.5% ▲

5Y CAGR: +3.6%

EBITDA

$90M +18.9% ▲

5Y CAGR: +2.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$186M	$206M	$245M	$263M	$278M
YoY Growth	-4.9%	+10.7%	+18.8%	+7.6%	+5.8%
Cost of Revenue	$2M	$6M	$56M	$93M	$92M
Gross Profit	$184M	$200M	$189M	$170M	$187M
Gross Margin	98.9%	97.0%	77.3%	64.5%	67.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$54M	$51M	$57M	$54M	$65M
Operating Expenses	$102M	$100M	$111M	$106M	$106M
Operating Income	$82M	$99M	$78M	$64M	$81M
Operating Margin	44.2%	48.3%	31.7%	24.3%	29.2%
Interest Expense	$8M	$6M	$54M	$91M	$90M
Income Before Tax	$82M	$99M	$78M	$64M	$81M
Tax Expense	$21M	$24M	$19M	$15M	$20M
Net Income	$62M	$75M	$59M	$49M	$61M
Net Margin	33.1%	36.5%	24.0%	18.6%	22.0%
EPS (Diluted)	$3.19	$3.93	$3.08	$2.57	$3.25
EBITDA	$93M	$110M	$88M	$75M	$90M
Shares Outstanding	19M	19M	19M	19M	18M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$66M	$68M	$69M	$71M	$71M	$71M	$29M	$74M
Cost of Revenue	$23M	$23M	$23M	$23M	$22M	$22M	$22M	$23M
Gross Profit	$43M	$45M	$46M	$48M	$48M	$49M	$7M	$51M
Gross Margin	64.7%	66.5%	66.3%	67.2%	68.3%	68.4%	23.0%	68.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$14M	$13M	$13M	$14M	$24M	$19M	$23M	$23M
Operating Expenses	$28M	$26M	$26M	$26M	$27M	$27M	$28M	$28M
Operating Income	$15M	$19M	$20M	$21M	$21M	$22M	-$22M	$23M
Operating Margin	22.2%	27.6%	28.5%	30.1%	30.4%	30.4%	-74.1%	30.9%
Interest Expense	$23M	$22M	$23M	$23M	$22M	$22M	$22M	$23M
Income Before Tax	$15M	$19M	$20M	$21M	$21M	$22M	$23M	$23M
Tax Expense	$3M	$4M	$5M	$5M	$5M	$5M	$6M	$6M
Net Income	$11M	$14M	$15M	$16M	$16M	$16M	$17M	$17M
Net Margin	17.0%	21.1%	21.7%	23.0%	22.1%	22.9%	58.1%	23.3%
EPS (Diluted)	$0.59	$0.75	$0.79	$0.86	$0.85	$0.91	$0.98	$1.02
EBITDA	$18M	$22M	$23M	$24M	$21M	$25M	-$19M	$23M
Shares Outstanding	19M	19M	19M	19M	18M	18M	18M	17M

TRST NASDAQ

Revenue Segmentation

By Product / Service

Income Trends

Profit Margins

Year-over-Year Growth

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