TRST

TrustCo Bank NYC

Nasdaq / Banks

At close

2026-07-22

Current thesis

Q2 showed improving EPS, net interest income, margin, loans, deposits, book value, and capital return activity. Continued asset repricing and buybacks could support earnings per share and shareholder returns.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.3.

What can break

Credit quality and borrower financial conditions remain execution risks despite reported loan growth.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $57.70 · Bull $61.30 · Bear $50.10

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-22 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum58 · Δ7d +2.9

Value48 · Δ7d -0.3

Sentiment54 · Δ7d -

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

+2.9

Δ21d

-18.0

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

+0.0

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 57.9 / Value 48.3 / Sentiment 53.9

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$977.54M

Beta

0.62

Shares Out

17.47M

P/E (TTM)

13.8

P/S (TTM)

4.18

P/FCF (TTM)

46.99

Rev YoY

+4.8%

EPS YoY

+21.5%

Gross Margin

Op Margin

+40.7%

Net Debt

$105.88M

Current Ratio

0.17

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology