Profitability
Weight: 25%
C-
51
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -5.40 pp/yr
TRST
TrustCo Bank Corp NY
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
66
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.9%
- 5yr Share-Count CAGR -1.2%
Growth Quality
Weight: 10%
B
73
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 14.0%
- 5yr EPS CAGR 0.5%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
91
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.04x
Balance Sheet
Weight: 30%
C+
61
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.7%
- Interest Coverage (EBIT/Int) 0.90x
Stability
Weight: 10%
B+
79
- EPS Volatility (σ/μ) 0.19
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 new buys.
- Holders
- 2
- Avg Δ position
- —
- New buys
- 2
- Full exits
- 0