TRST

TrustCo Bank NYC

Nasdaq / Banks

At close

2026-07-24

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

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.9.

What can break

Asset repricing and NIM gains could weaken if rates or deposit pricing move unfavorably.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $59.00 · Bull $65.00 · Bear $48.00

Data freshness

Prices

As of 2026-07-24

Fundamentals

As of 2026-07-24 • Vendor: Data Vendor v1

Scores

As of 2026-07-24 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-24 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-24

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum63 · Δ7d +15.6

Value48 · Δ7d -0.9

Sentiment53 · 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 trendImproving

Δ7d

+15.6

Δ21d

+7.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.9

Δ21d

-0.8

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 62.5 / Value 47.8 / Sentiment 52.6

Fundamentals (TTM)

As of 2026-07-24

Market Cap

$976.56M

Beta

0.62

Shares Out

17.03M

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 2026-07-24 • Updated nightlySource: Internal modelMethodology