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Stock Ratings / Financials / TRST / earnings
HAFC (76) CPF (74) CAC (68) SBSI (64) ⌘ Pro Terminal →

TrustCo Bank Corp NY (TRST) Next Earnings Date & Expected ±4.2% Move

$56.26 -1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $56.04

TrustCo Bank Corp NY (TRST) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →
ROARABLE C • HOLD / WATCH Cap $968.4M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TRST Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $56.26 (-1.07% 1D, market cap $968.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TRST ranks #379 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TRST compare to HAFC and CPF in the Financials sector?
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Within the Financials sector (Major Banks), TRST carries a Roarable C (62/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 8.9%. By comparison, HAFC (Hanmi Financial Corporation) holds a B+ grade (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TRST?
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Per TRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357301), TrustCo Bank Corp NY generated $0 in revenue, $61.1M in net income, and $45.7M in free cash flow against $6.44B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $56.05 (-0.38%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 1.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C-
Cash (8)Whales (14)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$68 Bull$57 Base$45 Bear
📬 FREE TRST RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TRST)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY TRST SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±4.2% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$54.26-1.1% Next Q
Q2 (-2Q)
57
Grade C$53.68+5.1% Next Q
Q3 (-1Q)
59
Grade C$56.40-0.2% Next Q
Current
62
Grade C$56.26+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TRST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, TRST faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($56.06) or 200D SMA ($51.00) invalidates the momentum regime and cuts Target Base ($57.27) toward Bear Floor ($44.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TRST• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TRST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±4.2% Swing Band

±$2.36 Expected Swing
$53.90 (-4.2%)Spot $56.26$58.62 (+4.2%)
MODEL EARNINGS SETUP GAUGE

TRST Quantitative Pre-Earnings Setup: 62/100

Trailing EPS: $3.59 • YoY Revenue Growth: 12.4%

Model Bullish Setup (62/100)Model Risk Weight (38/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0$61.1M$45.7M52%
FY 20242024-12-31$0$48.8M$54.6M52%
FY 20232023-12-31$0$58.6M$64.1M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating TRST & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on TRST
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
TRST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.37%📐 HORIZONTAL RANGE
2026-11-02O $56.70H $56.87L $56.26C $56.26VOL 97.8K
RES: $59.56SUP: $52.32SMA50: $56.06SMA200: $51.00
$60.56$55.26$49.96$44.66$39.37RES $59.56SUP $52.32$56.262026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TRST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TRST Butterfly Map → + Track TRST →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TRST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TRST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TRST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TRST)

Financials Rank #379 of 1096 ⚔️ HAFC vs TRST Full Matrix →

1. Head-to-Head Financials Peer Comparison (TRST vs. HAFC, CPF, CAC, SBSI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, TrustCo Bank Corp NY (TRST) ranks #379 by composite RQD confidence (62/100, grade C) and #567 by equity capitalization ($968.4M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with TRST at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TRST ACTIVE
TrustCo Bank Corp NY
C 62/100 15.8x — 8.9% -1.07% $968.4M Benchmark Subject
HAFC
Hanmi Financial Corporation
B+ 76/100 12.9x — 7.5% -1.75% $982.3M /hafc-vs-trst →
CPF
Central Pacific Financial Corp
B 74/100 12.7x — 13.1% -1.83% $984.4M /cpf-vs-trst →
CAC
Camden National Corporation
C+ 68/100 15.2x — 9.4% -2.05% $989.2M /cac-vs-trst →
SBSI
Southside Bancshares Inc.
C 64/100 14.3x — 8.2% +1.11% $992.3M /sbsi-vs-trst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000357301

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TrustCo Bank Corp NY (TRST) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $61.1M, operating cash flow of $57.6M, and free cash flow of $45.7M (-16.2% YoY). On the balance sheet, TRST closed FY2025 with $6.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $61.1M $57.6M $45.7M $6.44B —
FY2024 (FY) 2024-12-31 $0 $48.8M $59.4M $54.6M $6.24B —
FY2023 (FY) 2023-12-31 $0 $58.6M $64.1M $64.1M — —

3. TRST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TRST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, TrustCo Bank Corp NY (NASDAQ: TRST) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $56.26 (-1.07% 1D, market cap $968.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TRST ranks #379 in composite RQD confidence.

How does TRST compare to HAFC and CPF in the Financials sector?

Within the Financials sector (Major Banks), TRST carries a Roarable C (62/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 8.9%. By comparison, HAFC (Hanmi Financial Corporation) holds a B+ grade (76/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TRST?

Per TRST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000357301), TrustCo Bank Corp NY generated $0 in revenue, $61.1M in net income, and $45.7M in free cash flow against $6.44B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TRST trading relative to its 50-day, 200-day, and 52-week technical levels?

TRST last traded at $56.26 (-1.07% on volume of 102,487 shares), positioning the stock +0.36% above its 50-day simple moving average ($56.06) and +10.31% above its 200-day simple moving average ($51.00). Across its 52-week range of $36.93 to $59.28, TRST sits at the 86.5% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($53.90 to $58.62).

TRST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is TRST's next earnings date?

Based on SEC filing cadence, TrustCo Bank Corp NY (TRST)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is TRST stock expected to move on earnings?

Volatility modeling currently projects a ±4.2% event move for TRST, spanning a range between $53.9 and $58.62.

Direct Sub-Reports: TRST RQD Cockpit TRST 12M Forecast TRST Earnings & Move TRST Dividends & DRIP TRST Insiders & 13F TRST Whale Options TRST Profit Sankey TRST News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

TRST — TrustCo Bank Corp NY: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:31:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, TRST scores 62 out of 100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine: 8 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 8.9% and an FCF yield of 4.72%. The score is the second-lowest of the five pillars, suggesting that cash generation relative to the share price is a constraint on the thesis.
  • Whale 13F Flow: 14 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. The score is moderate; the source data does not include the underlying 13F holdings, so the composition of this flow cannot be verified here.
  • Insider Conviction: 16 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the highest-scoring pillar, which would be a supportive signal if the underlying filings were available for review.
  • Macro Regime Fit: 11 / 20. Per the Roarable RQD rating, this pillar reflects a beta of 1.0 and sector sensitivity. A beta of 1.0 implies market-matching volatility rather than amplified or dampened exposure.
  • Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 4/9, and a Debt/Equity ratio of 0.5. The Piotroski reading is weak, while the Z-Score and leverage are moderate.

For a prospective investor, the profile is balanced rather than compelling. The highest-weighted supportive signal is insider and congressional flow; the weakest is cash-return efficiency relative to price. Upside drivers would need to come from improving cash generation or a re-rating supported by the insider signal. Valuation tradeoffs are visible in the P/E multiple relative to the modest FCF yield. Rating-level conclusions are analytical and not a personalized recommendation.

Recent Catalysts & News Wire Analysis

Per the recent news section, three items reference TRST, all with a YELLOW light and MARKET WIRE impact label:

  • A Motley Fool piece titled "TrustCo Bank: 3 Key Takeaways for Long-Term Investors," published 1h before the data timestamp.
  • A Globe and Mail piece with the same headline, published 3h before the data timestamp.
  • An Investing.com Canada item titled "Earnings call transcript: TrustCo Bank posts stronger Q3 2026 profit as lending grows," published 6h before the data timestamp.

The earnings-related item is the most specific catalyst, referencing stronger Q3 2026 profit and lending growth. The other two items are summarized only generically in the source. Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals.

Open Questions

  • What are the specific drivers of the stronger Q3 2026 profit and lending growth referenced in the earnings-related news item, and do they reflect durable trends?
  • What are the revenue and operating income figures, given the SEC financials report $0.0M for both across all three periods?
  • What is the composition of the Whale 13F and Insider Conviction signals underlying the 14/20 and 16/20 pillar scores?
  • What explains the decline in free cash flow from $64.1M in FY 2023 to $45.7M in FY 2025, and how does it relate to the 8/20 cash engine score?
  • What is the debt position, since the SEC financials list debt as N/A across all periods despite a reported Debt/Equity of 0.5?

TRST Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for TrustCo Bank Corp NY (TRST) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TRST Debate Forum (3) ↓
🟡 MARKET WIRE Benzinga • 11d ago
Trustco Bank Q3 2026 Earnings Call Transcript

Trustco Bank (NASDAQ:TRST) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TRST Bull vs. Bear Conversation Board — What's Your Call at $56.26?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TRST 🐻 50% BEARISH CONVICTION
1. Pick Your Side on TRST:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $61.42 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is TRST (C • RQD 62/100) a Buy at $56.87?

Welcome to the TRST (TrustCo Bank Corp NY) Roar Pit. Current RQD Composite is 62/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $43.79 (-23.0%)
Spot @ $56.87

Pump the brakes on TRST — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on TRST, but look at what you are paying: 15.8x trailing P/E with tightening sector spreads. Unless TrustCo Bank Corp NY expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $65.97 (+16.0%)
Spot @ $56.87

TRST cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on TRST, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $56.87 (52-wk range $36.93 - $59.28), any beat on forward guidance forces shorts and underweight funds to chase.

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