40.82 USD
-1.72 (-4.04%)
40.82 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TRMK. TRMK was compared to 383 industry peers in the Banks industry. TRMK has a medium profitability rating, but doesn't score so well on its financial health evaluation. TRMK has a decent growth rate and is not valued too expensively. TRMK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year TRMK was profitable.
- TRMK had a positive operating cash flow in the past year.
- TRMK had positive earnings in each of the past 5 years.
- In the past 5 years TRMK always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.18%, TRMK is in the better half of the industry, outperforming 74.67% of the companies in the same industry.
- TRMK's Return On Equity of 10.53% is fine compared to the rest of the industry. TRMK outperforms 68.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.53% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.86%
ROE(3y)8.71%
ROE(5y)8.76%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 28.53%, TRMK is in the better half of the industry, outperforming 72.58% of the companies in the same industry.
- TRMK's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for TRMK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.81%
PM growth 5Y10.6%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- TRMK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- TRMK has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TRMK has less shares outstanding
- The debt/assets ratio for TRMK has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of TRMK is 3.05, which is a good value as it means it would take TRMK, 3.05 years of fcf income to pay off all of its debts.
- TRMK has a Debt to FCF ratio of 3.05. This is in the lower half of the industry: TRMK underperforms 62.92% of its industry peers.
- A Debt/Equity ratio of 0.39 indicates that TRMK is not too dependend on debt financing.
- TRMK's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. TRMK is outperformed by 72.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 31.65% over the past year.
- The Earnings Per Share has been growing slightly by 5.95% on average over the past years.
- The Revenue has grown by 44.54% in the past year. This is a very strong growth!
- Measured over the past years, TRMK shows a decrease in Revenue. The Revenue has been decreasing by -2.19% on average per year.
EPS 1Y (TTM)31.65%
EPS 3Y9.95%
EPS 5Y5.95%
EPS Q2Q%11.9%
Revenue 1Y (TTM)44.54%
Revenue growth 3Y-4.97%
Revenue growth 5Y-2.19%
Sales Q2Q%4.89%
3.2 Future
- Based on estimates for the next years, TRMK will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.19% on average per year.
- Based on estimates for the next years, TRMK will show a small growth in Revenue. The Revenue will grow by 5.13% on average per year.
EPS Next Y19.57%
EPS Next 2Y11.03%
EPS Next 3Y9.19%
EPS Next 5YN/A
Revenue Next Year6.46%
Revenue Next 2Y5.51%
Revenue Next 3Y5.13%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.15, the valuation of TRMK can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of TRMK indicates a somewhat cheap valuation: TRMK is cheaper than 65.54% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of TRMK to the average of the S&P500 Index (27.21), we can say TRMK is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.65, the valuation of TRMK can be described as reasonable.
- TRMK's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, TRMK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 10.65 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, TRMK is valued a bit cheaper than the industry average as 72.58% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- TRMK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)1.88
EPS Next 2Y11.03%
EPS Next 3Y9.19%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.33%, TRMK has a reasonable but not impressive dividend return.
- TRMK's Dividend Yield is comparable with the industry average which is at 2.84.
- TRMK's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
5.2 History
- The dividend of TRMK has a limited annual growth rate of 0.23%.
- TRMK has paid a dividend for at least 10 years, which is a reliable track record.
- TRMK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.23%
Div Incr Years0
Div Non Decr Years34
5.3 Sustainability
- TRMK pays out 26.11% of its income as dividend. This is a sustainable payout ratio.
- The dividend of TRMK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.11%
EPS Next 2Y11.03%
EPS Next 3Y9.19%
TRUSTMARK CORP / TRMK FAQ
Can you provide the ChartMill fundamental rating for TRUSTMARK CORP?
ChartMill assigns a fundamental rating of 4 / 10 to TRMK.
What is the valuation status of TRUSTMARK CORP (TRMK) stock?
ChartMill assigns a valuation rating of 6 / 10 to TRUSTMARK CORP (TRMK). This can be considered as Fairly Valued.
How profitable is TRUSTMARK CORP (TRMK) stock?
TRUSTMARK CORP (TRMK) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for TRMK stock?
The Price/Earnings (PE) ratio for TRUSTMARK CORP (TRMK) is 11.15 and the Price/Book (PB) ratio is 1.16.
What is the financial health of TRUSTMARK CORP (TRMK) stock?
The financial health rating of TRUSTMARK CORP (TRMK) is 2 / 10.