Stock Ratings / Financials / TRST / dividends

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TrustCo Bank Corp NY (TRST) Dividend Safety Gauge & 10-Year DRIP Compounder

$56.87 +0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $56.79

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 $56.87 (+0.30% 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: $56.79 (-0.14%)🧬 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

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-

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

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)

Grade C-$54.26-1.1% Next Q

Q2 (-2Q)

Grade C$53.68+5.1% Next Q

Q3 (-1Q)

Grade C$56.40+0.8% Next Q

Current

Grade C$56.87+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 ($57.89) toward Bear Floor ($45.15).

🎲 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 →

CASH DIVIDEND + BUYBACK YIELD

4.65% Total Yield

2.85% Cash ($1.62/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

39.2% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $25,010

Est. Year-10 Shareholder Yield: $1,163/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.0K

Yr 2

$13.2K

Yr 3

$14.4K

Yr 4

$15.8K

Yr 5

$17.3K

Yr 6

$19.0K

Yr 7

$20.8K

Yr 8

$22.8K

Yr 9

$25.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in TRST & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on TRST and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

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: +19.65%📐 HORIZONTAL RANGE

2026-11-02O $56.70H $56.87L $56.70C $56.87VOL 97.8K

RES: $59.56SUP: $52.32SMA50: $56.06SMA200: $51.00

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%	+0.30%	$968.4M	Benchmark Subject
HAFC Hanmi Financial Corporation	B+	76/100	12.9x	—	7.5%	+1.32%	$982.3M	/hafc-vs-trst →
CPF Central Pacific Financial Corp	B	74/100	12.7x	—	13.1%	+2.11%	$984.4M	/cpf-vs-trst →
CAC Camden National Corporation	C+	68/100	15.2x	—	9.4%	+0.43%	$989.2M	/cac-vs-trst →
SBSI Southside Bancshares Inc.	C	64/100	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?

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

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

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 +11.51% above its 200-day simple moving average ($51.00). Across its 52-week range of $36.93 to $59.28, TRST sits at the 89.2% percentile with a 14-day RSI of 59.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($54.48 to $59.26).

TRST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does TRST pay a dividend and is it safe?

TrustCo Bank Corp NY (TRST) offers a 2.85% cash dividend yield ($1.62 annualized) and 4.65% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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