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Upturn AI Summary - About
TrustCo Bank Corp NY(TRST)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TRST
10/28/2026: TRST (3-star) is currently NOT-A-BUY. Pass it for now.
TrustCo Bank Corp NY is a long-standing regional banking institution primarily focused on traditional retail banking services in New York and Florida. The company has a stable, community-oriented business model characterized by conservative lending and a reliable deposit base, which has historically supported steady, if modest, growth and consistent dividend payments. While this focus on stability is a strength, the bank faces risks from geographic concentration, interest rate sensitivity, and intense competition from larger institutions with more advanced digital capabilities. It may best suit risk-averse income investors seeking long-term stability, provided they monitor the company’s efforts to modernize its digital platforms and navigate the evolving interest rate environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on stable, incremental growth rather than aggressive expansion. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the rapid price movement preferred by momentum traders. |
| Value investor | Mixed fit | The stock may offer value depending on the current price-to-book and price-to-earnings multiples relative to industry peers. |
| Dividend investor | Strong fit | TrustCo's long-standing history of consistent dividend payments makes it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | The bank's conservative business model and focus on traditional retail banking appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock generally experiences less daily price fluctuation compared to the broader market. |
| Valuation risk | Medium | Changes in interest rate expectations can significantly impact bank valuations. |
| Competition risk (Banking competition) | Medium / high | The bank competes with both local and national players for deposits and loans. |
| Business quality | Medium | The franchise is stable and long-established in its regions. |
| Dividend income | Low | The dividend record is historically consistent and reliable. |
| Execution risk | Low | Management has a long track record of managing a stable, conservative business. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 28.13% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 962.24M USD | Price to earnings Ratio 15.03 | 1Y Target Price 26 |
Price to earnings Ratio 15.03 | 1Y Target Price 26 | ||
Volume (30-day avg) 118.9K shares | Beta 0.66 | 52 Weeks Range 35.78 - 59.28 | Updated Date 10/28/2026 |
52 Weeks Range 35.78 - 59.28 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.73% | Basic EPS (TTM) 3.76 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage loans and other assets minus interest paid on deposits. | This is the core profit driver, dependent on the gap between interest earned on loans and interest paid to savers. |
| Non-Interest Income | Fees from trust and wealth management, service charges on deposit accounts, and other banking services. | These fees provide a secondary stream of income that is less dependent on interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate - | Actual 1.02 |
Profitability
Profit Margin 33.36% | Operating Margin (TTM) 47.21% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10% |
Valuation
Trailing PE 15.03 | Forward PE 14.04 | Enterprise Value 469.86M | Price to Sales(TTM) 4.85 |
Enterprise Value 469.86M | Price to Sales(TTM) 4.85 | ||
Enterprise Value to Revenue 5.43 | Enterprise Value to EBITDA - | Shares Outstanding 17.03M | Shares Floating 15.03M |
Shares Outstanding 17.03M | Shares Floating 15.03M | ||
Percent Insiders 3.47 | Percent Institutions 81.97 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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