TrustCo Bank Corp NY is the holding company for Trustco Bank, a regional lender whose core business is residential mortgages, consumer loans and deposits gathered through its branch network across upstate New York. The franchise is a conservative, deposit-funded bank, and its return profile reflects that: a 9.7% ROE and a 46.7% operating margin on a business that trades at 15.0 times trailing earnings and 14.0 times forward earnings. Revenue grew 10.7%, which is a stronger top-line print than most regional peers managed in the same period, and the forward multiple implies the market expects earnings to keep rising. The case for a closer look rests on whether that growth is durable, meaning whether net interest income can keep expanding without loan quality or funding costs eroding the gain. At a $920M market cap with no index membership, the name is small enough that the research gap is probably wider than for larger banks, which is worth testing before drawing conclusions.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.
| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 23 Oct 2026, 12:04 CEST | Fair value | $37.58 | $40.62 | $55.47 |
| 21 Oct 2026, 11:06 CEST | Fair value | $40.62 | $37.68 | $54.73 |
| 18 Oct 2026, 16:04 CEST | Fair value | $37.68 | $40.02 | $54.31 |
| 18 Oct 2026, 16:04 CEST | Rating | Overvalued | first publication | $54.31 |
| 13 Oct 2026, 00:00 CEST | ACCE price target | $50.00 | first publication | $53.59 |
| 10 Oct 2026, 00:00 CEST | Fair value | $40.02 | $48.62 | $54.76 |
| 2 Oct 2026, 00:00 CEST | Fair value | $48.62 | $50.13 | $54.29 |
| 25 Sept 2026, 00:00 CEST | Fair value | $50.13 | $51.01 | $55.54 |
| 18 Sept 2026, 00:00 CEST | Fair value | $51.01 | $52.02 | $57.37 |
| 15 Sept 2026, 00:00 CEST | Fair value | $52.02 | $52.83 | $58.45 |
Answered from TrustCo Bank Corp NY Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| TRST TrustCo Bank Corp NY Common Stock | $55.73 | $38 | 48% above | 15.0x | 9.7% | 85 | 73 |
| BPAT.BA Banco Patagonia | ARS 1775.00 | - | - | 10.1x | 5.9% | 74 | 62 |
| BBAR.BA BBVA Banco Frances SA | ARS 7240.00 | - | - | 11.0x | 8.1% | 71 | 68 |
| BMA.BA Banco Macro SA B | ARS 10870.00 | - | - | 15.4x | 7.1% | 79 | 57 |
| BOGOTA.CL Banco de Bogota | COP 38240.00 | - | - | 9.0x | 9.2% | 61 | 49 |
| PFDAVVNDA.CL Davivienda Group preferred | COP 28740.00 | - | - | 8.2x | 10.3% | 53 | 82 |
| ITAUCL.SN Banco Itau Chile | CLP 22500.00 | - | - | 12.3x | 9.4% | 81 | 71 |
Where TRST ranks against its sector peers on each metric.