Profitability
Weight: 25%
B-
63
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 56.2%
- Efficiency Ratio Trend +0.21 pp/yr
TRST
TrustCo Bank Corp NY
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
66
- 5yr Avg ROE 9.6%
- 5yr Share-Count CAGR -1.0%
Growth Quality
Weight: 15%
B-
63
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 7.3%
- Efficiency Ratio Trend (growth quality check) +0.21 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B+
78
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.03
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.7%
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.19
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Laffont new