TRST — TrustCo Bank Corp NY

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About TrustCo Bank Corp NY

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$50.80
Market Cap$881M
Float16.8M
Shares Outstanding17.5M
P/E (Forward)14.04
P/E (TTM)14.79
Price/Sales (TTM)4.64
vs. Analyst Target-48.8% to analyst PT
Profit Margin33.26%
Operating Margin (TTM)46.96%
Revenue (TTM)$190M
Earnings Growth (YoY)21.30%
Dividend Rate1.5%
Analyst Target Price$26.00

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $195M $52.5M $165M $79.6M
2021 $186M $61.5M $184M $92.7M
2022 $206M $75.2M $200M $110M
2023 $245M $58.6M $189M $88.4M
2024 $263M $48.8M $170M $75.5M
2025 $278M $61.1M $187M $89.8M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $69.3M $15.0M
Sep 2025 $70.7M $16.3M
Dec 2025 $70.5M $15.6M
Mar 2026 $71.0M $16.3M

Ownership & Float

Insider Ownership3.4%
Institutional Ownership79.7%
Short Float4.3%
% of All Funds Holding2.06%
Number of Funds Holding169

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$47.28Near-term / short-term trend
Weekly40-Week SMA$42.76Medium-term trend
Weekly80-Week SMA$37.73Cyclical trend (business cycle)
Weekly200-Week SMA$33.89Secular trend (multi-year)
Monthly10-Month SMA$42.62Near-term monthly trend
Monthly20-Month SMA$37.69Medium-term monthly trend
Monthly40-Month SMA$33.75Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$37.60 support 1.01x 5 months ago
$33.30 support 1.29x 8 months ago
$31.00 support 1.17x 10 months ago
$28.80 support 1.30x 21 months ago

Historical Earnings Reactions (127 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.22% 0.00% 49.61% 9.25% -4.35%
1 Day 0.42% 0.13% 51.97% 9.25% -5.98%
1 Week 0.58% 0.00% 49.61% 22.90% -13.01%
2 Weeks 0.65% 0.61% 55.91% 25.32% -14.29%
1 Month 1.11% 0.80% 53.17% 40.54% -21.71%

Next earnings: July 10, 2026 (43 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan-0.2%44.2%43
Feb-0.4%44.2%43
Mar-0.4%44.2%43
Apr0.2%48.8%43
May1.1%53.5%43
Jun0.0%58.1%43
Jul2.5%62.8%43
Aug2.0%55.8%43
Sep-1.3%34.9%43
Oct2.1%60.5%43
Nov2.1%67.4%43
Dec1.8%55.8%43

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.03% 40.8% 2049
Tuesday 0.11% 41.0% 2228
Wednesday 0.06% 43.3% 2224
Thursday 0.04% 40.3% 2184
Friday 0.09% 41.4% 2174

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 79.7%

Insider Transactions — Smart Summary

Total insider ownership: 3.4%

12-Month Insider Activity Summary

Total Filings19
Net Value-$252,420.94
Net Shares Change1,643
% of Float0.0%
C-Suite Filings8
Clusters Detected1

Key Insiders

NameTitleNet ValueFilingsActivity
MCCORMICK ROBERT J CHAIRMAN, PRESIDENT and CEO -$122,986.7 1 1 sell
LEONARD ROBERT M EVP and CHIEF OPERATING OFFICER -$49,162.6 1 1 sell
OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT and CFO -$35,167.7 1 1 sell
HALL MICHAEL JAMES GENERAL COUNSEL and SECRETARY -$34,955.64 3 3 sell
CURLEY KEVIN M EXECUTIVE VICE PRESIDENT and COO +$25,019.4 1 1 buy
Cotugno Steffani +$23,362.5 1 1 buy
LUCARELLI LISA M +$8,538 1 1 buy
Silverman Frank B +$4,848.9 1 1 buy

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-11-18 – 2025-12-01 16 13 -$443,582.34 7 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-04-28 Silverman Frank B +$4,848.9 Transaction at $46.18, now +10.0%
2026-03-12 CURLEY KEVIN M EXECUTIVE VICE PRESIDENT and COO +$25,019.4 Transaction at $42.55, now +19.4%
2025-12-01 LUCARELLI LISA M +$8,538 Transaction at $42.69, now +19.0%
2025-06-05 Cotugno Steffani +$23,362.5 Transaction at $31.15, now +63.1%
2025-11-24 HALL MICHAEL JAMES GENERAL COUNSEL and SECRETARY -$11,257.34 Transaction at $41.54, now +22.3%
2025-11-21 HALL MICHAEL JAMES GENERAL COUNSEL and SECRETARY -$15,999.1 Transaction at $39.70, now +28.0%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for TrustCo Bank Corp NY (TRST) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for TRST on Trend Edge →