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TRST

TrustCo Bank NYC
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
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -1.9.
What can break
Asset repricing and NIM gains could weaken if rates or deposit pricing move unfavorably.
Momentum
54
Value
48
Sentiment
58
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum54 · Δ7d -5.3
Value48 · Δ7d -0.3
Sentiment58 · Δ7d -1.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -1.9.

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
54
8% active weight
Current posture
7d trendFlat
Δ7d
-5.3
Δ21d
-15.5
Value
48
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+0.0
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.9
Δ21d
-9.9
Why this grade

Composite grade C. Momentum 54.1 / Value 47.6 / Sentiment 58.2

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 2026-10-23
Market Cap
$948.96M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data