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TRST

TrustCo Bank NYB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 results support a constructive operating trajectory: higher loan yields, deposit execution, margin expansion, balanced loan and deposit growth, and substantial buybacks. Q1 showed a similar direction in NII, NIM, and earnings.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.1.
What can break
Asset repricing and NIM gains could weaken if rates or deposit pricing move unfavorably.
Momentum
67
Value
57
Sentiment
64
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $59.00 · Bull $65.00 · Bear $48.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum67 · Δ7d +2.3
Value57 · Δ7d +8.5
Sentiment64 · Δ7d +2.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.1.

Contradictions & invalidation

  • • Asset repricing and NIM gains could weaken if rates or deposit pricing move unfavorably.
  • • Credit metrics and reserve trends require confirmation in the full quarterly filing; the available Q2 excerpt is truncated.
  • • The earnings beat is backward-looking, while analyst target changes, estimate revisions, and detailed forward guidance are unavailable.

Catalyst clock

2026-07-21

Q2 2026 earnings showed broad operating improvement

Lead driver: Sentiment · See AI snapshot
Momentum
67
9% active weight
Current posture
7d trendFlat
Δ7d
+2.3
Δ21d
+13.3
Value
57
28% active weight
Current posture
7d trendImproving
Δ7d
+8.5
Δ21d
+8.5
Sentiment
64
62% active weight
Current posture
7d trendImproving
Δ7d
+2.1
Δ21d
-1.2
Why this grade

Composite grade B. Momentum 66.8 / Value 56.5 / Sentiment 64.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
25%
Probability
Target price
$65.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$59.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$967.18M
Beta
0.62
Shares Out
17.03M
P/E (TTM)
13.8
P/S (TTM)
4.18
P/FCF (TTM)
46.99
Rev YoY
+6.8%
EPS YoY
+23.2%
Gross Margin
-
Op Margin
+28.4%
Net Debt
$105.88M
Current Ratio
0.16
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data