Is TFIN or TRST more undervalued in 2026?

CirclFi compares Triumph Financial, Inc. (TFIN) and TrustCo Bank Corp NY (TRST) using 13 institutional-grade valuation models. TFIN has a Quality of Company score of 7.7/10 while TRST scores 8.4/10.

Which is a better buy — TFIN or TRST?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TFIN and TRST valuations compare?

TFIN at $70.55 and TRST at $51.36 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TFIN vs TRST Valuation Comparison 2026 — Intrinsic Value Analysis

TFIN

Banks - Regional

Triumph Financial, Inc.

Quality

7.7

out of 10

Value Trap

SAFE

Price

$70.55

Last close

Models

12/13

Active

TRST

Banks - Regional

TrustCo Bank Corp NY

Quality

8.4

out of 10

Value Trap

—

Price

$51.36

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	TFIN Fair Value	TFIN Upside	TRST Fair Value	TRST Upside
Bayesian DCF	Intrinsic	$37.33	-47.1%	$49.74	-3.2%
Earnings Power Value	Intrinsic	$31.42	-55.5%	$68.97	+34.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TFIN vs TRST — Which Stock Is More Undervalued?

TRST scores higher with a 8.4/10 quality rating vs TFIN's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Triumph Financial, Inc. (TFIN) and TrustCo Bank Corp NY (TRST) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TFIN currently trades at $70.55 with a QOC of 7.7/10, while TRST trades at $51.36 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).