TRST · Trustco Bank Corp N Y

Track TRST — free

$55.18 -0.51 (-0.92%) At close · Oct 5

S&P 600 member Russell 2000 member Rebalance outlook locked

Market Cap

$956.96M

17.03M

Volume · Oct 5 131.22K Avg daily vol (3M) 130.99K

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 2 wks

Latest filing: 10-Q

filed Aug 10, 2026

Q2 2026 earnings call transcript

call held Jul 22, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$197.02M

Trailing 12 months

Net income (TTM)

$65.07M

Trailing 12 months

Revenue growth YoY

+10.5%

Year over year

Operating margin

—

Trailing 12 months

P / E (TTM)

15.5

Trailing earnings · reciprocal yield 6.5%

FCF yield

6.2%

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

$588.26M

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

-8.5%

Year over year · fewer shares

Price change (1Y)

+55.8%

Trailing year

Short interest

6.7%

Latest settlement · 7.7 days to cover

View all 115 metrics

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Very Low

Market backdrop VIX 15.5 · calm Equity put/call 0.59

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +11%

above

Price vs 50-day avg −3%

below

RSI (14) 43

neutral

MACD trend Negative

52-week position 84%

mid-range

Momentum

relative strength

Strong

1-month return −5%

trailing

6-month return +18%

trailing

YTD return +34%

this year

Relative strength +7%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $57 › 200d $50 — 50d above 200d

Institutional flow Distributing

2 of 187 funds reported for Sep 30 · net -16 sh shares

Insider flow Accumulating

Net +$30.8K over 90 days · 0% sells

Short interest Rising

6.72% of float · ▲ +27.0% MoM · 7.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

187 holders — near 3-yr high, broad support

Squeeze score 74

high risk · 0–100

Fundamentals

Strong

EPS growth +26%

Y/Y

Free cash flow $45.7M

Valuation P/E 15.6

rich

Quant / Vol

risk profile

Very Low

Volatility 24%

annualized · 1-yr

Max drawdown −9%

past year

ATR 2.6%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Jun 30, 2026

Total recurring non-interest expense net of OREO expense · 26 per quarter Non-GAAP $27.3M – $27.8M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+11% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

43 Neutral

MACD trend

Negative Bearish

52-week position

84% Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $57 › 200d $50 — 50d above 200d

Institutional flow Distributing

2 of 187 funds reported for Sep 30 · net -16 sh shares

Insider flow Accumulating

Net +$30.8K over 90 days · 0% sells

Short interest Rising

6.72% of float · ▲ +27.0% MoM · 7.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

187 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $35 Now $55 · 84% Range high $59

vs 200-day avg +11% vs 50-day avg -3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Average balance of commercial loans	$319.7M	second quarter of 2026 filing	—
Average balance of Federal Funds sold and other short-term investments	$687.2M	second quarter of 2026 filing	—
Average balance of held to maturity securities	$4M	second quarter of 2026 filing	—
Average balance of home equity credit lines	$473.7M	second quarter of 2026 filing	—
Average balance of interest-bearing liabilities rate paid	1.79%	second quarter of 2026 filing	—
Average balance of residential mortgage loans	$4.53B	second quarter of 2026 filing	—
Average balance of securities available for sale	$319.2M	second quarter of 2026 filing	—
Average loan portfolio balance	$5.33B	second quarter of 2026 filing	—
Average short-term borrowings	$108.9M	second quarter of 2026 filing	—
Average yield on commercial loans	5.64%	second quarter of 2026 filing	—
Average yield on earning assets	4.27%	second quarter of 2026 filing	—
Average yield on held to maturity securities	4.47%	second quarter of 2026 filing	—
Average yield on home equity credit lines	6.25%	second quarter of 2026 filing	—
Average yield on loans	4.41%	second quarter of 2026 filing	—
Average yield on residential mortgage loans	4.12%	second quarter of 2026 filing	—
Average yield on securities available for sale	3.06%	second quarter of 2026 filing	—
Dividend payout ratio	38.36%	second quarter of 2026 filing	—
Net interest margin	2.87%	second quarter of 2026 filing	—
Total average interest earning assets	$6.35B	second quarter of 2026 filing	—
Total average interest-bearing deposits	$4.85B	second quarter of 2026 filing	—
Weighted average interest rate for short-term borrowings	1.36%	second quarter of 2026 filing	—
Yield on Federal Funds sold and other short-term investments	3.7%	second quarter of 2026 filing	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
TRST Trustco Bank Corp N Y this stock	$956.96M	+33.5%	—	15.6	6.7%
MFG Mizuho Financial Group Inc	$133.98B	+50.7%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.26B	-39.5%	-3.2%	—	0.7%
CIXPF CaixaBank/ADR	$103.83B	+16.0%	—	—	0.1%
IBN Icici Bank Ltd	$100.21B	-6.9%	—	—	0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

187

% held: 77.8%
Reported: 2 of 187
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

247

View

Short & Settlement

Short Interest Rising

Shares short

1.1M

Days to cover: 7.7d
Change: +242.9K sh

View

Short Volume

Short vol %

48%

As of: Oct 5, 2026

Short Total

View

Fails to Deliver

FTD shares

194

Value: $11.3K
As of: Sep 14, 2026

View

Off-Exchange

Off-exchange %

30.5%

Week of: Aug 31, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net buying

Net (90d)

+$30.8K

Buyers / Sellers: 1 / 0

Buyers Sellers

View

Financials

Net income (FY)

$61.1M

EPS diluted: $3.25

View

Filings

SEC Filings

Latest

8-K

Filed: Sep 16, 2026
This year: 17

View

Earnings & Events

Webcasts

Last webcast

Jul 22, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
TRST	-0.3%	-4.7%	+18.2%	+1.6%	+33.5%
SPY	+1.2%	+0.6%	+11.6%	+1.6%	+13.6%
vs SPY	-1.5%	-5.3%	+6.7%	+0.0%	+19.9%

Key facts CIK 357301 CUSIP 898349204 13F (30d) 5 filings 5 filers Visit website Investor relations

TRST · Trustco Bank Corp N Y

Price & Indicators

Up next

Metrics snapshot

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance