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TrustCo Bank Corp NY (TRST) — RQD Stock Rating Cockpit

$57.81 +2.76% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $57.99

TrustCo Bank Corp NY (TRST) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $958.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TRST Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $57.81 (+2.76% 1D, market cap $958.0M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, TRST ranks #364 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TRST compare to HAFC and CPF in the Financials sector?
▼

Within the Financials sector (Major Banks), TRST carries a Roarable C- (61/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 8.9%. By comparison, HAFC (Hanmi Financial Corporation) holds a B grade (75/100 RQD, P/E 12.9x, ROIC 7.5%, cap $965.1M) and CPF (Central Pacific Financial Corp) posts a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TRST?
▼

Per TRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357301), TrustCo Bank Corp NY generated $2.71B in revenue (+3.2% YoY), $61.1M in net income, and $45.7M in free cash flow against $6.44B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $57.99 (+0.31%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 1.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C-
Cash (8)Whales (13)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$69 Bull$59 Base$46 Bear
📬 FREE TRST RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TRST)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY TRST SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.2% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$54.21+1% Next Q
Q2 (-2Q)
56
Grade C$54.73+3.3% Next Q
Q3 (-1Q)
58
Grade C$56.51+2.3% Next Q
Current
61
Grade C-$57.81+0.5% Hist 90D α
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TRST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, TRST faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($56.05) or 200D SMA ($51.07) invalidates the momentum regime and cuts Target Base ($58.59) toward Bear Floor ($45.70).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TRST• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TRST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
54.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE93% OF RANGE
L: $37$57.81H: $59
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on TRST

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (40)

8.9% ROIC with 42.0% gross margin and 4.72% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (67)

29/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like TRST
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (TRST Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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TRST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.63%📐 HORIZONTAL RANGE
2026-11-03O $56.87H $57.81L $56.26C $57.81VOL 102.5K
RES: $59.57SUP: $52.28SMA50: $56.05SMA200: $51.07
$60.56$55.26$49.96$44.66$39.37RES $59.57SUP $52.28$57.812026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TRST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TRST Butterfly Map → + Track TRST →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.3%/yr Implied 5Y Growth

vs. +3.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TRST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TRST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TRST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TRST)

Financials Rank #364 of 1097 ⚔️ HAFC vs TRST Full Matrix →

1. Head-to-Head Financials Peer Comparison (TRST vs. HAFC, CPF, CAC, FMNB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, TrustCo Bank Corp NY (TRST) ranks #364 by composite RQD confidence (61/100, grade C-) and #564 by equity capitalization ($958.0M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with TRST at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TRST ACTIVE
TrustCo Bank Corp NY
C- 61/100 15.8x — 8.9% +2.76% $958.0M Benchmark Subject
HAFC
Hanmi Financial Corporation
B 75/100 12.9x — 7.5% +2.49% $965.1M /hafc-vs-trst →
CPF
Central Pacific Financial Corp
B 73/100 12.7x — 13.1% +2.61% $966.4M /cpf-vs-trst →
CAC
Camden National Corporation
C+ 66/100 15.2x — 9.4% +2.77% $968.9M /cac-vs-trst →
FMNB
Farmers National Banc Corp.
C+ 66/100 17.1x — 11.2% +1.47% $926.6M /fmnb-vs-trst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000357301 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TrustCo Bank Corp NY (TRST) reported GAAP revenue of $2.71B (+3.2% vs. FY2024 revenue of $2.62B , and +925.0% cumulative change since FY2023) , GAAP net income of $61.1M, operating cash flow of $57.6M, and free cash flow of $45.7M (-16.2% YoY). On the balance sheet, TRST closed FY2025 with $6.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.71B $61.1M $57.6M $45.7M $6.44B —
FY2024 (FY) 2024-12-31 $2.62B $48.8M $59.4M $54.6M $6.24B —
FY2023 (FY) 2023-12-31 $263.9M $58.6M $64.1M $64.1M — —

3. TRST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $57.81 (+2.76% 1D, market cap $958.0M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, TRST ranks #364 in composite RQD confidence.

How does TRST compare to HAFC and CPF in the Financials sector?

Within the Financials sector (Major Banks), TRST carries a Roarable C- (61/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 8.9%. By comparison, HAFC (Hanmi Financial Corporation) holds a B grade (75/100 RQD, P/E 12.9x, ROIC 7.5%, cap $965.1M) and CPF (Central Pacific Financial Corp) posts a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $966.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TRST?

Per TRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357301), TrustCo Bank Corp NY generated $2.71B in revenue (+3.2% YoY), $61.1M in net income, and $45.7M in free cash flow against $6.44B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TRST trading relative to its 50-day, 200-day, and 52-week technical levels?

TRST last traded at $57.81 (+2.76% on volume of 136,422 shares), positioning the stock +3.14% above its 50-day simple moving average ($56.05) and +13.20% above its 200-day simple moving average ($51.07). Across its 52-week range of $36.99 to $59.28, TRST sits at the 93.4% percentile with a 14-day RSI of 54.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($55.38 to $60.24).

Direct Sub-Reports: TRST RQD Cockpit TRST 12M Forecast TRST Earnings & Move TRST Dividends & DRIP TRST Insiders & 13F TRST Whale Options TRST Profit Sankey TRST News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

TRST — TrustCo Bank Corp NY: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

TrustCo Bank Corp NY (TRST) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $57.81 (+2.76% 1D, market capitalization $958.0M).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 8.9%, gross margin of —, operating margin of —, and free cash flow yield of 4.72%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

TrustCo Bank Corp NY (TRST) operates in the Major Banks industry (Financials sector) with an equity capitalization of $958.0M, gross margin of —, operating margin of —, and return on invested capital (ROIC) of 8.9%.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), TrustCo Bank Corp NY (TRST) reported $2.71B in annual revenue (up from $2.62B in FY2024, +3.2% YoY) and $61.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($263.9M revenue, $58.6M net income) through FY2025, TRST scaled operating cash flow to $57.6M and free cash flow to $45.7M, backed by $6.44B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.72% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $36.99 – $59.28 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for sector correlation or second-order bottleneck analysis.

  • Key Question #1: Can TRST sustain or expand its — operating margin and 8.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.71B and free cash flow of $45.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is TRST's 14.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TRST Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for TrustCo Bank Corp NY (TRST) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TRST Debate Forum (3) ↓
🟡 MARKET WIRE Benzinga • 12d ago
Trustco Bank Q3 2026 Earnings Call Transcript

Trustco Bank (NASDAQ:TRST) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TRST Bull vs. Bear Conversation Board — What's Your Call at $57.81?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TRST 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TRST:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $65.26 (+16.0%)
📌 Pinned Debate

The highest-scoring RQD pillar is insider conviction at 16/20, driven by SEC Form 4 and Congressional PTR cluster flow.

Picked up a starter position in TRST in my $100K Virtual Cash book at $56.26. The highest-scoring RQD pillar is insider conviction at 16/20, driven by SEC Form 4 and Congressional PTR cluster flow.. Trading inside a $36.99–$59.28 52-week range with 4.72% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX 🐂 BULL

@ShortSeller_Dan Shorting a 13/20 institutional whale-flow stock at $56.26 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $46.70 (-17.0%)
Spot @ $56.26

Cash engine is the weakest pillar at 8/20, with ROIC of 8.9% and an FCF yield of 4.72% alongside free cash flow declining from $64.1M t

Cash engine is the weakest pillar at 8/20, with ROIC of 8.9% and an FCF yield of 4.72% alongside free cash flow declining from $64.1M to $45.7M.. Look at the math on TRST: paying 15.8x trailing P/E for 8.9% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $49.51 before getting long.

LIVE TAPE