TrustCo Bank Corp NY (TRST)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$57.92+0.56%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · TRST
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 29.2% |
| Our one-year growth estimate | diamond | 8.3% |
Growth built into the price is above our model estimate.
The price assumes 20.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 220 industry peers
TRST — dividend update
Dated 2026-08-18
Other Events On August 18, 2026, TrustCo Bank Corp NY (“TrustCo”) issued a press release announcing that its Board of Directors declared an increased quarterly cash dividend of $0.40 per share, or $1.60 per share on an annualized basis. The declared dividend represents an increase of 5.3% over the prior dividend amount. The dividend will be payable on October 1, 2026 to shareholders of record at the close of business on September 4, 2026. A copy of the press release announcing the dividend de…
Why it matters: Finishing the repurchase program shows management believes in the company's value. This helps share price.
Supportive ifTrustCo completes the repurchase of 3 million shares by the end of 2026.
Worry ifTrustCo fails to complete the repurchase of the planned 3 million shares by year-end.
Why it matters: Maintaining the dividend signals strong financial health and commitment to shareholder returns. A cut could raise concerns.
Supportive ifThe Board declares a quarterly dividend of $0.38 per share for Q3.
Worry ifThe Board says the quarterly dividend will drop below $0.38.
Why it matters: Higher net income shows TrustCo is making more money. A slowdown may worry about growth.
Supportive ifNet income increases beyond $16.285 million in the next quarter.
Worry ifNet income falls below $14.275 million in the next quarter.
Why it matters: Loan growth is steady. This shows strong demand and good lending strategies, which help income.
Supportive ifAverage loans increase year over year by more than 3.8% in Q3.
Worry ifAverage loans grow less than or equal to 3.8% in Q3.
Why it matters: The quality of loans affects TrustCo's risk and overall financial health.
Worry ifNonperforming loans increase above 0.5% of total loans.
Less concerning ifNonperforming loans remain below 0.4% of total loans.
Why it matters: TrustCo's net interest income keeps growing. This shows they manage rates and loans well.
Supportive ifQ3 net interest income increases year over year by more than 9%.
Worry ifQ3 net interest income growth is less than or equal to 9%.
Why it matters: Higher operating income shows better core banking performance. This can help investor trust.
Supportive ifOperating income growth is more than 6% from the last quarter.
Worry ifOperating income growth is under 2% or lower than the last quarter.
Why it matters: Growing net income shows TrustCo is improving its profitability. This can attract more investors.
Supportive ifQuarterly net income growth exceeds 5% compared to the previous quarter.
Worry ifQuarterly net income growth is below 0% or declines from the previous quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$96 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $234 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,348 loss on $10,000 · 13.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.