TrustCo Bank Corp NY (TRST) Intrinsic Value

DCF-based fair value calculation with Bear, Base, and Bull scenarios

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TrustCo Bank Corp NY (TRST)

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Intrinsic Value

DCF Not Suitable for TRST

Market cap ($0.81B) below $1B threshold — DCF not reliable for small-cap/micro-cap stocks.

Alternative Approach:

Use relative valuation (P/E, P/S) vs. peer group.

Frequently Asked Questions

Is TRST stock undervalued or overvalued?

Insufficient data to compute DCF valuation for TRST. This typically occurs with negative FCF, early-stage companies, or financials where standard DCF models require modification.

What is TRST's intrinsic value?

Unable to calculate intrinsic value. DCF requires positive free cash flow and complete financial data. For banks/REITs, we substitute Net Income or FFO respectively.

How is TRST's fair value calculated?

Standard two-stage DCF with 5-year explicit forecast period and Gordon Growth terminal value. WACC estimated from sector averages and company beta. For TRST, insufficient data prevents full calculation—typically requires 3+ years of positive FCF history.