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TRSTTrustCo Bank Corp NYHold5.5·$54.54-2.15%
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TrustCo Bank Corp NY (TRST) Stock Analysis

Range Bound setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $54.54, but acceptable to hold if already in. Reason: Near 52-week high (3.8% away).

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that... Read more

$54.54+1.8% A.UpsideScore 5.5/10#164 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.78%(5y avg 4.31%)Payout43.99%sustainable
Stop $51.90Target $55.53(resistance)A.R:R 0.0:1

Hold if already holding. Not a fresh buy at $54.54, but acceptable to hold if already in. Reason: Near 52-week high (3.8% away). Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 16d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 20, 202616d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Near 52-week high (3.8% away)

Key Metrics

P/E (TTM)16.0
P/E (Fwd)19.0
Mkt Cap$953M
EV/EBITDA
Profit Mgn33.3%
ROE9.3%
Rev Growth7.9%
Beta0.63
Dividend2.78%
Rating analysts6

Quality Signals

Piotroski F8/9

Options Flow

P/C0.33bullish
IV49%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank
2.0
Growth Rank
2.7
Quality Rank
4.9
GatesA.R:R UPSIDE_EXHAUSTED (upside=0.0%)Momentum 5.7>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 16d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
48 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $50.93Resistance $56.66

Price Targets

$52
$56
A.Upside+1.8%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts6
Consensus2.0/5
Avg Target

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-20 (16d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TRST stock a buy right now?

Hold if already holding. Not a fresh buy at $54.54, but acceptable to hold if already in. Reason: Near 52-week high (3.8% away). Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $55.53 (+1.8%), stop $51.90 (−5.1%), A.R:R 0.0:1. Score 5.5/10, moderate confidence.

What is the TRST stock price target?

Take-profit target: $55.53 (+1.8% upside). Target $55.53 (+1.8%), stop $51.90 (−5.1%), A.R:R 0.0:1. Stop-loss: $51.90.

What are the risks of investing in TRST?

Near 52-week high (3.8% away).

Is TRST overvalued or undervalued?

TrustCo Bank Corp NY trades at a P/E of 16.0 (forward 19.0). TrendMatrix value score: 7.2/10. Verdict: Hold.

What do analysts say about TRST?

6 analysts cover TRST with a consensus score of 2.0/5.

What does TrustCo Bank Corp NY do?TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking...

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, it operates as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. The company operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. TrustCo Bank Corp NY was founded in 1902 and is headquartered in Glenville, New York.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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