HAFC (68) CPF (73) CAC (61) SBSI (71) ⌘ Pro Terminal →

TrustCo Bank Corp NY (TRST) — RQD Stock Rating Cockpit

$56.87 +0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

TrustCo Bank Corp NY (TRST) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $968.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TRST)Realized 20D OHLCV Swing Band: ±4.6%

RSI-14 MOMENTUMBULLISH MOMENTUM

55.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE89% OF RANGE

L: $37$56.87H: $59

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on TRST

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

8.9% ROIC with 42.0% gross margin and 4.72% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (57)

24/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like TRST

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TRST)

✓Walkthrough of TRST's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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: +19.47%📐 HORIZONTAL RANGE

2026-10-30O $56.98H $57.30L $56.01C $56.87VOL 101.5K

RES: $59.55SUP: $52.36SMA50: $56.06SMA200: $50.94

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 #700 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 #700 by composite RQD confidence (55/100, grade D+) 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. CPF currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with TRST at 55/100 (D+).

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	D+	55/100	15.8x	—	8.9%	+0.30%	$968.4M	Benchmark Subject
HAFC Hanmi Financial Corporation	C+	68/100	12.9x	—	7.5%	+1.32%	$982.3M	/hafc-vs-trst →
CPF Central Pacific Financial Corp	B	73/100	12.7x	—	13.1%	+2.11%	$984.4M	/cpf-vs-trst →
CAC Camden National Corporation	C-	61/100	15.2x	—	9.4%	+0.43%	$989.2M	/cac-vs-trst →
SBSI Southside Bancshares Inc.	B-	71/100	14.3x	—	8.2%	+5.25%	$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 2026-11-01, TrustCo Bank Corp NY (NASDAQ: TRST) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $56.87 (+0.30% 1D, market cap $968.4M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TRST ranks #700 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 D+ (55/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 8.9%. By comparison, HAFC (Hanmi Financial Corporation) holds a C+ grade (68/100 RQD, P/E 12.9x, ROIC 7.5%, cap $982.3M) and CPF (Central Pacific Financial Corp) posts a B grade (73/100 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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. 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 $56.87 (+0.30% on volume of 97,827 shares), positioning the stock +1.44% above its 50-day simple moving average ($56.06) and +11.64% above its 200-day simple moving average ($50.94). Across its 52-week range of $36.99 to $59.28, TRST sits at the 89.2% percentile with a 14-day RSI of 55.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($54.25 to $59.49).

TRST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TRST stock right now?

TrustCo Bank Corp NY (TRST) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at 16x P/E (9% return on capital) under elevated 10-year interest-rate pressure.

What is TRST's 12-month price target and RQD AI Jury consensus?

TRST's 12-month base price target is $56.1 (range $43.76 to $66.2), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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