NASDAQ: TRST · Regional Banks
TrustCo Bank Corp NY (TRST) fair value and price range
As of 10 Oct 2026, Faircurve's model values TrustCo Bank Corp NY (TRST) at $43.64 a share. The stock last closed at $53.87, which puts the model's fair value 19.0% below the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 14 Oct 2026. TrustCo Bank Corp NY.
The report adds the live price, the price chart and the next earnings date. No account needed.
This week, in three parts
What happenedThe run of 10 Oct 2026 moved the fair value from $45.67 to $43.64 (-4.4%). The model does not yet explain moves on this valuation method.
What the model makes of itThe price of $53.87 is 19.0% above it. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What's nextReports on 20 Oct 2026. The next weekly run is on Saturday 17 Oct 2026.
What price range does the model give TRST?
The calibrated range for TRST over 63 trading days is $35.97 to $52.44. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 6,214 past valuations, refreshed 10 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is above this range. For names with fair value 15%+ below price, the calibrated range has held the price 38% of the time over 63 trading days, and 61% ended above it; the typical move was −2.4%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $33.92 to $54.80. In 23% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 10 Oct 2026
TrustCo Bank Corp NY is the parent entity for Trustco Bank, a federally regulated savings institution. The company is in financial services and is a regional bank.
Faircurve’s model on 10 Oct 2026 found a fair value of $43.64 a share, which is the midpoint of 2,000 simulations. The previous run, on 3 Oct 2026, gave $45.67, so the fair value moved -4.4%. The model does not yet explain moves on this valuation method. The calibrated range over 63 trading days is $35.97 to $52.44, built from the fair value, since there is no live options data for the stock, calibrated weekly against realised prices (6,214 past valuations, refreshed 10 Oct 2026). Ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low.
The model compares TrustCo Bank Corp NY with Hanmi Financial Corporation (HAFC), Southside Bancshares, Inc. (SBSI), Central Pacific Financial Corp. (CPF), Capitol Federal Financial, Inc. (CFFN), Heritage Financial Corporation (HFWA), Preferred Bank (PFBC), and Tompkins Financial Corporation (TMP). Eagle Bancorp, Inc. (EGBN) is a comparable company with no verdict on this date.
Written from the figures on this page for the 10 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
The Global Pulse
Faircurve's note after each US session, in your inbox. No account needed.
When does TRST report earnings, and how has the stock reacted?
TrustCo Bank Corp NY's next earnings report is scheduled for 20 Oct 2026. Companies can move their dates.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across TRST's last 8 reports, ignoring direction, was 1.9%.
How does TRST compare with similar companies?
The companies in regional banks closest to TrustCo Bank Corp NY in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| HAFC Hanmi Financial Corporation | $30.49 | $35.78 | +17.3% | Undervalued |
| SBSI Southside Bancshares, Inc. | $30.22 | $33.46 | +10.7% | Undervalued |
| CPF Central Pacific Financial Corp. | $35.41 | $38.84 | +9.7% | Undervalued |
| EGBN Eagle Bancorp, Inc. | $27.45 | $27.65 | +0.7% | Low evidence grade |
| CFFN Capitol Federal Financial, Inc. | $8.18 | $8.35 | +2.1% | Fairly valued |
| HFWA Heritage Financial Corporation | $26.88 | $21.55 | -19.8% | Overvalued |
| PFBC Preferred Bank | $101.99 | $137.37 | +34.7% | Undervalued |
| TMP Tompkins Financial Corporation | $95.86 | $110.41 | +15.2% | Undervalued |
TrustCo Bank Corp NY at a glance
TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution.
- Market value
- $913M
- Sector
- Financial Services
- Industry
- Regional Banks
- Beta to the US market
- 0.38
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices TrustCo Bank Corp NY on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 3 Oct 2026 the model's fair value for TRST was $45.67. As of 10 Oct 2026 it is $43.64, a change of -4.4%. The model does not yet explain moves on this valuation method. The model revalues every stock it covers each week, and again after an earnings report.
Questions about TrustCo Bank Corp NY's valuation
Is TrustCo Bank Corp NY stock undervalued or overvalued?
Faircurve's model puts TRST's fair value at $43.64 a share against a last close of $53.87, as of 10 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is TRST's fair value?
$43.64 a share as of 10 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $33.92 to $54.80.
What price range does the model give TRST?
$35.97 to $52.44 over 63 trading days. Ranges built this way held the price 60% of the time across 6,214 past valuations, refreshed 10 Oct 2026.
When does TrustCo Bank Corp NY report earnings next?
The next report is scheduled for 20 Oct 2026. Companies can move their dates.
How much has TRST moved on past earnings reports?
Across its last 8 reports the median two session move was 1.9%, ignoring direction. The largest was +6.6% around the report of 21 Jan 2026.
How confident is the model in this valuation?
The model's evidence grade for TRST is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on TRST
The model holds no idea open on TRST today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on TRST with their outcomes. A free account is enough.