TRST Trustco Bank Corp NY

XNAS 54.19 Delayed
Find condors

Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

TRST $54.19 —
Key stats
$54.19
52-Week Range
$36.40 – $59.28
YTD
+31.27%
IV Rank (30D)
91.87
Straddle Price
$4.97
Market Cap
$0.9B
Open
$55.06
Day Range
$54.00 – $55.06
Volume
94,870
Prev Close
$54.73
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.72
Cost of Equity (CAPM)8.75% (VRP-adj)
WACC8.78%
Volatility Risk Premium+34.9pp (IV − HV30)
Effective Tax Rate24.6%
Rev. Growth (YoY, DCF input)+2.5%
DCF Horizon12 years explicit + fade
Forward Tilt (NTM/TTM)×1.03 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.1B
Return on Equity (TTM)9.9%
Book / Price66.5% — banking bias active (P/B is primary)
Bank Quality Adj×1.01 (target ROE vs peer median)
Gross Margin (TTM)68.2%
FCF Margin (TTM)21.2%
Debt / Equity0.00
Quality Score4/6 — high quality (12y DCF)
Market-Implied Growth+2.3% (reverse-DCF on current price)
SMA 50$56.16 (Market Anchor value)
SMA 20 / Bollinger Mid$54.67
Bollinger Width / SMA2010.0% (drives anchor stability)
Net Debt$-0.0B
Market Cap$1B
Peers used for multiples: APLE, CATY, CVBF, FFBC, FHB, FULT, INDB, WSFS
60-Day Conviction
58%
20-Day Fair Value
≈ by Nov 20, 2026
$54.01
α -0.3% rank 9%
conviction
23%
40-Day Fair Value
≈ by Dec 21, 2026
$54.79
α +1.1% rank 19%
conviction
35%
60-Day Fair Value
≈ by Jan 19, 2027
$55.11
α +1.7% rank 12%
conviction
58%
MethodImplied PriceWeightDetail
DCF $54.84 21%
DDM (Gordon) $25.31 17%
Peer P/E $42.40 6% median 12.0× · 8 peers
Peer EV/EBITDA n/a 0% median 10.7× · 8 peers
Peer P/B $42.53 10% median 1.2× · 8 peers
Peer P/S $44.99 3% median 2.9× · 8 peers
Market Anchor (SMA50) $56.16 43% stability 100% (BB-width)
Options Expected (B-L 30d) $54.03 0% 7 strikes · skew -0.55
As of 2026-10-22 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$0.9B
Employees
819
List Date
1983-04-18
CIK
0000357301
Headquarters
Albany, NY
Homepage
https://www.trustcobank.com

Trustco Bank Corp N Y is a savings and loan holding company. The core part of a business consists of accepting deposits and making loans and investments. It offers a range of both personal and business banking services. The company's product includes savings accounts; retirement accounts; money market account; mortgages; building loans; auto loans and others. The company derives revenue from the business of Banking. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-6.33%-0.15%-5.00%-7.34%-1.44%5.14%-2.52%
Feb9.38%1.01%3.57%-3.84%3.64%-2.87%1.82%
Mar3.95%-4.06%-14.16%2.77%-7.07%-0.68%-3.21%
Apr-1.94%-3.83%-6.05%-5.20%-0.49%8.03%-1.58%
May5.83%2.48%-6.59%1.65%0.42%7.80%1.93%
Jun-9.05%-4.19%2.77%4.43%8.93%7.73%1.77%
Jul-2.58%6.88%2.95%25.17%-2.67%2.22%5.33%
Aug-3.89%-1.68%-5.76%1.10%20.39%-0.89%1.55%
Sep-0.62%-4.35%-5.86%-3.98%-9.50%-3.31%-4.60%
Oct2.25%16.08%-6.24%2.04%4.34%-1.02%*2.91%
Nov-5.39%4.66%3.99%13.33%9.91%--5.30%
Dec2.81%-2.77%9.64%-10.53%-3.41%---0.85%
Total-6.97%8.48%-25.63%15.85%21.37%23.38%6.08%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $54.67
SMA 50: $56.16
SMA 200: $50.43
Current: $54.19
EMA 12: $54.40
EMA 26: $54.99
MACD: -0.5942 | Signal: 0.0409
BEARISH
ADX (14): 30.16
TREND
+DI: 17.20
−DI: 23.01

Momentum Oscillators

RSI (14): 44.09
NEUTRAL
Stoch %K: 41.06
Stoch %D: 39.43
Williams %R: -59.23

Volume & Volatility

BB Upper: $56.17
BB Lower: $53.17
NEUTRAL
OBV: 5,289,524
Vol SMA 20: 101,069
Vol ROC: 37.76%
ATR: $1.28
True Range: $1.06
HV 20: 18.9%
HV 30: 19.6%
HV 60: 19.3%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

Earnings History
14 of 15 under expected move
Avg Expected Move
11.40%
Avg Actual Move
2.36%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2021-01-21 Pre-Market 2.05% 2.12% 1.03x Exceeded
2023-07-24 Pre-Market 11.79% 2.99% 0.25x Within
2023-10-23 Pre-Market 17.30% 1.76% 0.10x Within
2024-01-22 Pre-Market 6.80% 3.40% 0.50x Within
2024-04-22 Pre-Market 18.20% 0.56% 0.03x Within
2024-07-22 Pre-Market 10.36% 1.35% 0.13x Within
2024-10-21 Pre-Market 13.91% 3.61% 0.26x Within
2025-01-21 unknown 10.75% 3.77% 0.35x Within
2025-04-21 unknown 17.91% 4.84% 0.27x Within
2025-07-21 Pre-Market 10.93% 0.09% 0.01x Within
2025-10-21 Pre-Market 9.85% 0.22% 0.02x Within
2026-01-21 Pre-Market 11.52% 6.54% 0.57x Within
2026-04-21 After-Close 11.34% 2.68% 0.24x Within
2026-07-21 Pre-Market 9.20% 0.47% 0.05x Within
2026-10-21 Pre-Market 9.09% 0.99% 0.11x Within

Earnings calendar: this week’s reports with expected vs actual moves →

TRST Options Activity & IV Rank

TRST IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 39.2%
7-DTE IV: —
Expected Move: $4.97
7-DTE Move: $4.97
Days to Exp: 30 (2026-11-20)

Options Flow

Call Volume: 0
Put Volume: 1
P/C Volume: —
Call OI: 0
Put OI: 2
P/C OI: —
Total OI: 2

ATM Options Pricing

ATM Call: $2.45
ATM Put: $2.52
Call %: 4.5%
Put %: 4.7%

Chain Summary

Chain Volume: 102
Chain OI: 136
Last Updated: 10/21/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 21 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 21 · ATM 33.6% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)91.9HighOct 21
Straddle Price (30 DTE)$4.97Oct 21
Beta Analysis

Risk Metrics

Beta: 0.3358
Alpha: 38.09%
Correlation: 0.1864
R-Squared: 3.5%
Stock Volatility: 22.9%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own TRST
1 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Rockefeller Capital Management Family office
Rockefeller family
$71K
0.00%
#3178 of 4729+0.9%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

TRST Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 18,616,250 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

195 filers14,601,788 shares$783.52M value78.44% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 2,517,431 $138.23M 17.64% 13.52% 2026-06-30
2 Dimensional Fund Advisors LP Custodian 1,140,201 $62.61M 7.99% 6.12% 2026-06-30
3 SYSTEMATIC FINANCIAL MANAGEMENT LP 1,101,023 $60.46M 7.72% 5.91% 2026-06-30
4 Vanguard Group Inc Custodian 1,300,043 $53.73M 6.86% 6.98% 2025-12-31
5 State Street Corp 922,845 $51.01M 6.51% 4.96% 2026-06-30
6 HoldCo Asset Management, LP 872,744 $47.92M 6.12% 4.69% 2026-06-30
7 Vanguard Capital Management LLC 749,594 $41.16M 5.25% 4.03% 2026-06-30
8 American Century Companies, Inc. 609,410 $33.46M 4.27% 3.27% 2026-06-30
9 Geode Capital Management, LLC Custodian 516,614 $28.37M 3.62% 2.78% 2026-06-30
10 Vanguard Portfolio Management LLC 386,844 $21.24M 2.71% 2.08% 2026-06-30
11 Invesco Ltd. Custodian 296,934 $16.30M 2.08% 1.59% 2026-06-30
12 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 278,369 $15.29M 1.95% 1.50% 2026-06-30
13 Arrowstreet Capital, Limited Partnership 230,179 $12.64M 1.61% 1.24% 2026-06-30
14 Two Sigma Investments, LP Custodian 204,630 $11.24M 1.43% 1.10% 2026-06-30
15 Northern Trust Corp Custodian 204,303 $11.22M 1.43% 1.10% 2026-06-30
16 Charles Schwab Investment Management, Inc. 168,265 $9.24M 1.18% 0.90% 2026-06-30
17 Bank of New York Mellon Corp Custodian 161,264 $8.86M 1.13% 0.87% 2026-06-30
18 GABELLI FUNDS LLC 149,943 $8.23M 1.05% 0.81% 2026-06-30
19 Morgan Stanley Custodian 145,741 $8.00M 1.02% 0.78% 2026-06-30
20 Goldman Sachs Group Inc Custodian 137,588 $7.55M 0.96% 0.74% 2026-06-30
21 BRIDGEWAY CAPITAL MANAGEMENT, LLC 124,552 $6.84M 0.87% 0.67% 2026-06-30
22 AQR Capital Management, LLC Custodian 119,647 $6.57M 0.84% 0.64% 2026-06-30
23 Vanguard Fiduciary Trust Co 116,900 $6.42M 0.82% 0.63% 2026-06-30
24 UBS Group AG Custodian 103,903 $5.71M 0.73% 0.56% 2026-06-30
25 ACADIAN ASSET MANAGEMENT LLC 103,359 $5.67M 0.72% 0.56% 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

TRST Insider Trading (Form 4)

Latest: 2026-09-03
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-09-03 Lauren Ann McCormick VP,Treasurer, Asst. Corp. Sec. Buy (P) +436 $57.34 $25.0K EDGAR
2026-08-14 Lauren Ann McCormick VP,Treasurer, Asst. Corp. Sec. Gift (G) +1,756 — EDGAR
2026-08-14 Lauren Ann McCormick VP,Treasurer, Asst. Corp. Sec. Buy (P) +103 $56.51 $5.8K EDGAR
2026-06-08 Lisa M Lucarelli Director Buy (P) +200 $52.29 $10.5K EDGAR
2026-04-28 Frank B Silverman Director Buy (P) +105 $46.18 $4.8K EDGAR
2026-03-12 Kevin M Curley EXECUTIVE VICE PRESIDENT & COO Buy (P) +588 $42.55 $25.0K EDGAR
2025-12-01 Lisa M Lucarelli Director Buy (P) +200 $42.69 $8.5K EDGAR
2025-11-24 Robert J McCormick CHAIRMAN, PRESIDENT & CEO Mixed +2,072 $41.54 -$87.7K EDGAR
2025-11-24 Robert M Leonard EVP & CHIEF OPERATING OFFICER Mixed +845 $41.54 -$31.4K EDGAR
2025-11-24 Kevin M Curley EXECUTIVE VICE PRESIDENT & CBO Mixed +646 $41.54 -$19.1K EDGAR
2025-11-24 Michael James Hall GENERAL COUNSEL & SECRETARY Mixed — $41.54 -$11.3K EDGAR
2025-11-24 Michael M Ozimek EXECUTIVE VICE PRESIDENT & CFO Mixed +672 $41.54 -$18.1K EDGAR
2025-11-21 Frank B Silverman Director Mixed — $39.70 -$21.8K EDGAR
2025-11-21 Thomas O Maggs Director Mixed — $39.70 -$21.8K EDGAR
2025-11-21 Lisa M Lucarelli Director Mixed — $39.70 -$21.8K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

TRST Insider Holdings

16 insiders · @ $54.19
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Robert J McCormick CHAIRMAN, PRESIDENT & CEO 392,432 $21.27M -$1.40M 79 2025-11-24
2 Scot R Salvador EVP & EVP COMMERICAL BANKING 50,170 $2.72M -$40.2K 56 2024-11-19
3 Lauren Ann McCormick VP,Treasurer, Asst. Corp. Sec. 43,456 $2.35M $30.8K 3 2026-09-03
4 Kevin M Curley EXECUTIVE VICE PRESIDENT & COO 41,136 $2.23M $561.9K 58 2026-03-12
5 Robert M Leonard EVP & CHIEF OPERATING OFFICER 37,615 $2.04M $335.1K 64 2025-11-24
6 Michael M Ozimek EXECUTIVE VICE PRESIDENT & CFO 30,407 $1.65M $627.9K 49 2025-11-24
7 Eric W Schreck EVP & TREASURER 28,447 $1.54M $212.7K 56 2024-11-25
8 Anthony J Md Phd Marinello Director 27,154 $1.47M $106.8K 41 2025-11-21
9 Thomas O Maggs Director 18,247 $988.8K $302.3K 41 2025-11-21
10 Michael James Hall GENERAL COUNSEL & SECRETARY 10,643 $576.7K $276.7K 41 2025-11-24
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

TRST Board & Officers

As of SEC filings through Sep 24, 2026

Directors 11

Officers 6

Changes in the last 10 years (34)
Sep 15, 2026Patricia Ann Kieper-Fusco became a director
Sep 15, 2026Bryan Lee Guentner became a director
Dec 16, 2025Lauren Ann McCormick became VP,Treasurer, Asst. Corp. Sec.
Nov 18, 2025Kevin M Curley listed as Executive Vice President & Cbo (previously Executive Vice President & COO) in SEC filings
Nov 8, 2024Robert M Leonard listed as EVP & Chief Operating Officer (previously EVP & Chief Risk Officer) in SEC filings
Oct 17, 2023Steffani Cotugno became a director
Apr 26, 2023The company announced the departure of Alejandro M Sanchez from the board in an SEC filing
Mar 16, 2023Kevin M Curley listed as Executive Vice President & COO (previously EVP Retail Banking) in SEC filings
Jan 30, 2023Scot R Salvador listed as EVP & EVP Commerical Banking (previously EVP & Chief Lending Officer) in SEC filings
Jan 27, 2023Robert M Leonard listed as EVP & Chief Risk Officer (previously EVP Corporate Services & Risk) in SEC filings
Oct 18, 2022Alejandro M Sanchez became a director
Jul 27, 2022Robert M Leonard listed as EVP Corporate Services & Risk (previously EVP & Chief Risk Officer) in SEC filings
Feb 25, 2022Kevin M Curley listed as EVP Retail Banking (previously Executive Vice President & COO) in SEC filings
Nov 17, 2021Robert J McCormick first listed as a director in an SEC filing
Nov 17, 2021Eric W Schreck listed as EVP & Treasurer (previously SVP & Treasurer) in SEC filings
Sep 21, 2021Curtis N Powell became a director
Aug 18, 2020Kimberly Adams Russell became a director
Aug 18, 2020Frank B Silverman became a director
Apr 29, 2020Scot R Salvador listed as EVP & Chief Lending Officer (previously EVP & Chief Banking Officer) in SEC filings
Apr 28, 2020Robert J McCormick listed as Chairman, President & CEO (previously President & CEO) in SEC filings
Not reported recently (6)
  • Eric W Schreck · Last reported as EVP & Treasurer in an SEC filing dated Nov 25, 2024
  • Scot R Salvador · Last reported as EVP & EVP Commerical Banking in an SEC filing dated Nov 19, 2024
  • Dennis A De Gennaro · Last reported as a director in an SEC filing dated Nov 22, 2023
  • William D Powers · Last reported as a director in an SEC filing dated May 14, 2020
  • Robert T Cushing · Last reported as Executive Vice President & COO in an SEC filing dated Dec 1, 2017
  • William J Purdy · Last reported as a director in an SEC filing dated Nov 22, 2016
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
106 ETFs hold TRST
25 shown · $303.79M total exposure · 0.03% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 IJR iShares Core S&P Small-Cap ETF iShares (BlackRock) 0.05% $55.8M $103.1B 2026-10-20
2 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.10% $30.7M $31.4B 2026-10-20
3 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $27.8M — 2026-09-30
4 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.03% $23.6M $75.1B 2026-10-20
5 DFAT Dimensional US Targeted Value ETF Dimensional 0.05% $16.7M — 2026-10-20
6 DFSV Dimensional US Small Cap Value ETF Dimensional 0.06% $16.6M — 2026-10-20
7 VXUS Vanguard Total International Stock ETF Vanguard 0.00% $15.5M — 2026-09-30
8 VXF Vanguard Extended Market ETF Vanguard 0.01% $10.4M — 2026-09-30
9 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.26% $10.4M $4.0B 2026-10-20
10 IEFA iShares Core MSCI EAFE ETF iShares (BlackRock) 0.01% $10.3M $191.0B 2026-10-20
11 VEA Vanguard FTSE Developed Markets ETF Vanguard 0.00% $10.2M — 2026-09-30
12 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.06% $8.5M $13.7B 2026-10-20
13 SPSM State Street® SPDR® Portfolio S&P 600™ Small Cap ETF SPDR (State Street) 0.05% $8.5M $15.7B 2026-10-20
14 XSMO Invesco S&P SmallCap Momentum ETF Invesco 0.30% $8.4M — 2026-10-20
15 DFAS Dimensional US Small Cap ETF Dimensional 0.02% $7.7M — 2026-10-20
16 VTWO Vanguard Russell 2000 ETF Vanguard 0.03% $5.3M — 2026-09-30
17 SCZ iShares MSCI EAFE Small-Cap ETF iShares (BlackRock) 0.04% $4.8M $12.9B 2026-10-20
18 IJS iShares S&P Small-Cap 600 Value ETF iShares (BlackRock) 0.06% $4.5M $7.6B 2026-10-20
19 SCHA Schwab U.S. Small-Cap ETF Nport 0.02% $4.4M — 2026-05-31
20 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $4.3M — 2026-10-20
21 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.18% $4.3M — 2026-06-30
22 VSS Vanguard FTSE All-World EX-US Small-Cap Index Fund Vanguard 0.03% $3.9M — 2026-09-30
23 IJT iShares S&P Small-Cap 600 Growth ETF iShares (BlackRock) 0.05% $3.7M $7.6B 2026-10-20
24 XSVM Invesco S&P SmallCap Value with Momentum ETF Invesco 0.64% $3.7M — 2026-10-20
25 DFMC Dimensional US Micro Cap ETF Dimensional 0.05% $3.6M — 2026-10-20
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
15.94
TTM Diluted EPS
$3.40
TTM Revenue
$281.64M
TTM Net Income
$63.15M
TTM Op. Cash Flow
$68.14M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$71.07M$16.29M$0.91$11.82M
Q4 '252025-12-31$70.52M$15.56M$0.84$16.47M
Q3 '252025-09-30$70.72M$16.26M$0.86$12.80M
Q2 '252025-06-30$69.32M$15.04M$0.79$27.05M
Q1 '252025-03-31$67.79M$14.28M$0.75$1.28M
Q4 '242024-12-31$66.32M$11.28M$0.60$14.34M
Q3 '242024-09-30$66.00M$12.88M$0.68$16.49M
Q2 '242024-06-30$66.24M$12.55M$0.66$18.72M
Q1 '242024-03-31$64.60M$12.13M$0.64$9.90M
Q4 '232023-12-31$63.11M$9.85M$0.51$17.82M
Q3 '232023-09-30$62.13M$14.68M$0.77$11.87M
Q2 '232023-06-30$60.68M$16.37M$0.86$15.67M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-08
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
15.94
P/B
1.50
P/S
3.58
EV/EBITDA
11.54
EV/Sales
3.43
ROE
9.4%
ROA
1.0%
Div Yield
2.94%
FCF Yield
6.75%
Debt/Equity
0.00
Current Ratio
—
Market Cap
$1.01B
as of 2026-10-21
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
1.22M
SI % of Float
7.43%
Days to Cover
7.86
Short Vol Ratio
50.1%
Free Float
16.46M
Float %
96.7%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-24