The stock price of TrustCo Bank Corp NY (TRST) has been on the downtrend through most of the year till date, which appears to be an overreaction to a difficult operating environment. It seems likely that the management’s expense control efforts and the maturity of expensive deposits will help sustain earnings in 2020. As a result of the expectations of flat earnings growth, the recent stock price decline appears unjustified. Consequently, the price dip provides opportunity for investors as the target price implies double-digit upside from the current market price. As a result,