B+
Bull case
25%
Probability
Target price
$61.30
+8.6% vs current
TRST
TrustCo Bank NYCNasdaq / Banks
Last Price
At close
2026-07-23
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+1Most likely
B
Base case
55%
Probability
Target price
$57.70
+2.2% vs current
B-
Bear case
20%
Probability
Target price
$50.10
-11.2% vs current
AI sentiment snapshot
Latest data as of 2026-07-22
Recent news sentiment (30D)
+25.5
Positive
Company
-
Unavailable
Macro
+25.5
Positive
Pulse
-
Unavailable
Sentiment proxy
+46.6
Score
AI commentary
News tone is positive around the reported Q2 improvement, but the packet lacks a confirmed post-release price reaction, analyst revisions, target changes, options data, short interest, employee sentiment, and usable social coverage. Low coverage and limited forward guidance support a monitoring-style interpretation.
RankAlpha Sentiment Codex - 2026-07-22
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-21eventQ2 2026 operating improvementMedium impact
TrustCo reported diluted EPS of $0.98, net income of $17.0 million, net interest income of $45.6 million, and net interest margin of 2.87% for Q2 2026, with year-over-year growth in each measure. Average loans and deposits both increased 3.8% year over year. [#SEC-8K-2026-07-21]
2026-07-28catalystPost-earnings price discoveryMedium impact
Q2 results were released on July 21, but the packet does not provide the pre-release close, post-print price attribution, analyst revisions, or target changes. Near-term trading should be treated as monitoring rather than confirmed momentum.
2026-12-31catalystShare repurchase executionMedium impact
The company reported repurchases equal to 10.5% of outstanding common stock through the first half of 2026 and stated it was on pace to repurchase three million shares, or 15.8% of shares, by year-end 2026. [#SEC-8K-2026-07-21]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology