Is TFSL or TRST more undervalued in 2026?

CirclFi compares TFS Financial Corporation (TFSL) and TrustCo Bank Corp NY (TRST) using 13 institutional-grade valuation models. TFSL has a Quality of Company score of 6.0/10 while TRST scores 8.4/10.

Which is a better buy — TFSL 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 TFSL and TRST valuations compare?

TFSL at $15.82 and TRST at $51.36 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TFSL vs TRST Valuation Comparison 2026 — Intrinsic Value Analysis

TFSL

Banks - Regional

TFS Financial Corporation

Quality

6.0

out of 10

Value Trap

SAFE

Price

$15.82

Last close

Models

13/13

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	TFSL Fair Value	TFSL Upside	TRST Fair Value	TRST Upside
Bayesian DCF	Intrinsic	$2.13	-86.6%	$49.74	-3.2%
Earnings Power Value	Intrinsic	$3.66	-76.8%	$68.97	+34.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TFSL vs TRST — Which Stock Is More Undervalued?

TRST scores higher with a 8.4/10 quality rating vs TFSL's 6.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing TFS Financial Corporation (TFSL) 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.

TFSL currently trades at $15.82 with a QOC of 6.0/10, 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).