What Is TrustCo Bank Corp NY (TRST) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, TrustCo Bank Corp NY's intrinsic value is estimated at a composite $74.03, showing conflicting signals at the current price of $54.68. While the average implied return is +35.4%, model disagreement is elevated with a gap of +222.3% between the most bullish and bearish estimates. The most optimistic model, RCMH-DCF, places fair value at $138.92 (+154.1%), while Markov DDM — the most conservative — estimates $17.37 (-68.2%). This +222.3% gap reflects genuine analytical uncertainty about TrustCo Bank Corp NY's intrinsic worth.
What Do the Models Say About TRST?
12 of 13 models are currently active for TRST. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates TRST's intrinsic value at $126.81, implying +131.9% upside from the current price. See which stocks rank higher →
How Does TRST Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, TRST ranks #70 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places TRST in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
As a banking sector, TrustCo Bank Corp NY operates in a sector where cost-to-income ratio is a critical driver of valuation. Investors evaluating TRST should weigh these sector-specific dynamics alongside our model-derived fair values.
Is TRST a Value Trap?
The Value Trap algorithm is not active for TRST. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for TrustCo Bank Corp NY. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, TrustCo Bank Corp NY's fundamental quality profile registers 8.4/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +222.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every TRST valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across TRST's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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