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Stock Ratings / Financials / TRST
HAFC (76) CPF (74) CAC (68) SBSI (64) ⌘ Pro Terminal →

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

$56.26 -1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $56.04

TrustCo Bank Corp NY (TRST) carries a Roarable Rating of C (Hold) with 62/100 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.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →
ROARABLE C • HOLD / WATCH Cap $968.4M
📤 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?
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As of 2026-11-02, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $56.26 (-1.07% 1D, market cap $968.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TRST ranks #379 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?
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Within the Financials sector (Major Banks), TRST carries a Roarable C (62/100 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 (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). 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?
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Per TRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357301), TrustCo Bank Corp NY generated $0 in revenue, $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: $56.05 (-0.38%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 1.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury 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 SNOWFLAKE RADARRw C · Rk C-
Cash (8)Whales (14)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$68 Bull$57 Base$45 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 (62/100 Composite)
🔍 WHY TRST SCORES 62/100 (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+14/20 pts (23% 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)
54
Grade C-$54.26-1.1% Next Q
Q2 (-2Q)
57
Grade C$53.68+5.1% Next Q
Q3 (-1Q)
59
Grade C$56.40-0.2% Next Q
Current
62
Grade C$56.26+0.7% Hist 90D α
Trajectory: C- (54) → C (62)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 62/100 (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 ($56.06) or 200D SMA ($51.00) invalidates the momentum regime and cuts Target Base ($57.27) toward Bear Floor ($44.67).

🎲 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 62%NO 38%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
59.230 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 RANGE86% OF RANGE
L: $37$56.26H: $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 30 / 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 JEV QUANT JURY DELIBERATION

JEV AI Jury 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 (68)

30/40 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
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
TRST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.37%📐 HORIZONTAL RANGE
2026-11-02O $56.70H $56.87L $56.26C $56.26VOL 97.8K
RES: $59.56SUP: $52.32SMA50: $56.06SMA200: $51.00
$60.56$55.26$49.96$44.66$39.37RES $59.56SUP $52.32$56.262026-05-042026-06-172026-08-042026-09-172026-11-02
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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)
8.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #379 of 1096 ⚔️ HAFC vs TRST Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, TrustCo Bank Corp NY (TRST) ranks #379 by composite RQD confidence (62/100, grade C) and #567 by equity capitalization ($968.4M). 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 76/100 (B+) compared with TRST at 62/100 (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 62/100 15.8x — 8.9% -1.07% $968.4M Benchmark Subject
HAFC
Hanmi Financial Corporation
B+ 76/100 12.9x — 7.5% -1.75% $982.3M /hafc-vs-trst →
CPF
Central Pacific Financial Corp
B 74/100 12.7x — 13.1% -1.83% $984.4M /cpf-vs-trst →
CAC
Camden National Corporation
C+ 68/100 15.2x — 9.4% -2.05% $989.2M /cac-vs-trst →
SBSI
Southside Bancshares Inc.
C 64/100 14.3x — 8.2% +1.11% $992.3M /sbsi-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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 $0 $61.1M $57.6M $45.7M $6.44B —
FY2024 (FY) 2024-12-31 $0 $48.8M $59.4M $54.6M $6.24B —
FY2023 (FY) 2023-12-31 $0 $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 2026-11-02, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $56.26 (-1.07% 1D, market cap $968.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TRST ranks #379 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 (62/100 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 (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). 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 $0 in revenue, $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 $56.26 (-1.07% on volume of 102,487 shares), positioning the stock +0.36% above its 50-day simple moving average ($56.06) and +10.31% above its 200-day simple moving average ($51.00). Across its 52-week range of $36.93 to $59.28, TRST sits at the 86.5% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($53.90 to $58.62).

TRST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TRST stock right now?

TrustCo Bank Corp NY (TRST) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid steady margins (9% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.

What is TRST's 12-month price target and RQD AI Jury consensus?

TRST's 12-month base price target is $57.27 (range $44.67 to $67.58), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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 62/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:31:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, TRST scores 62 out of 100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine: 8 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 8.9% and an FCF yield of 4.72%. The score is the second-lowest of the five pillars, suggesting that cash generation relative to the share price is a constraint on the thesis.
  • Whale 13F Flow: 14 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. The score is moderate; the source data does not include the underlying 13F holdings, so the composition of this flow cannot be verified here.
  • Insider Conviction: 16 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the highest-scoring pillar, which would be a supportive signal if the underlying filings were available for review.
  • Macro Regime Fit: 11 / 20. Per the Roarable RQD rating, this pillar reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies market-matching volatility rather than amplified or dampened exposure.
  • Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 4/9, and a Debt/Equity ratio of 0.5. The Piotroski reading is weak, while the Z-Score and leverage are moderate.

For a prospective investor, the profile is balanced rather than compelling. The highest-weighted supportive signal is insider and congressional flow; the weakest is cash-return efficiency relative to price. Upside drivers would need to come from improving cash generation or a re-rating supported by the insider signal. Valuation tradeoffs are visible in the P/E multiple relative to the modest FCF yield. Rating-level conclusions are analytical and not a personalized recommendation.

Recent Catalysts & News Wire Analysis

Per the recent news section, three items reference TRST, all with a YELLOW light and MARKET WIRE impact label:

  • A Motley Fool piece titled "TrustCo Bank: 3 Key Takeaways for Long-Term Investors," published 1h before the data timestamp.
  • A Globe and Mail piece with the same headline, published 3h before the data timestamp.
  • An Investing.com Canada item titled "Earnings call transcript: TrustCo Bank posts stronger Q3 2026 profit as lending grows," published 6h before the data timestamp.

The earnings-related item is the most specific catalyst, referencing stronger Q3 2026 profit and lending growth. The other two items are summarized only generically in the source. Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals.

Open Questions

  • What are the specific drivers of the stronger Q3 2026 profit and lending growth referenced in the earnings-related news item, and do they reflect durable trends?
  • What are the revenue and operating income figures, given the SEC financials report $0.0M for both across all three periods?
  • What is the composition of the Whale 13F and Insider Conviction signals underlying the 14/20 and 16/20 pillar scores?
  • What explains the decline in free cash flow from $64.1M in FY 2023 to $45.7M in FY 2025, and how does it relate to the 8/20 cash engine score?
  • What is the debt position, since the SEC financials list debt as N/A across all periods despite a reported Debt/Equity of 0.5?

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 • 11d 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 $56.26?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TRST 🐻 50% 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.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $61.42 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is TRST (C • RQD 62/100) a Buy at $56.87?

Welcome to the TRST (TrustCo Bank Corp NY) Roar Pit. Current RQD Composite is 62/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $43.79 (-23.0%)
Spot @ $56.87

Pump the brakes on TRST — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on TRST, but look at what you are paying: 15.8x trailing P/E with tightening sector spreads. Unless TrustCo Bank Corp NY expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $65.97 (+16.0%)
Spot @ $56.87

TRST cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on TRST, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $56.87 (52-wk range $36.93 - $59.28), any beat on forward guidance forces shorts and underweight funds to chase.

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