TRUSTMARK CORP (TRMK) Stock Fundamental Analysis
USA - NASDAQ:TRMK - US8984021027 - Common Stock
37.93 USD
+0.21 (+0.56%)
We assign a fundamental rating of 4 out of 10 to TRMK. TRMK was compared to 390 industry peers in the Banks industry. There are concerns on the financial health of TRMK while its profitability can be described as average. TRMK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year TRMK was profitable.
TRMK had a positive operating cash flow in the past year.
Each year in the past 5 years TRMK has been profitable.
TRMK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TRMK's Return On Assets of 1.17% is fine compared to the rest of the industry. TRMK outperforms 75.90% of its industry peers.
The Return On Equity of TRMK (10.48%) is better than 70.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 10.48% | ||
| 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
TRMK has a better Profit Margin (28.18%) than 74.36% of its industry peers.
In the last couple of years the Profit Margin of TRMK has grown nicely.
TRMK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.18% | ||
| 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.
Compared to 1 year ago, TRMK has about the same amount of shares outstanding.
The number of shares outstanding for TRMK has been reduced compared to 5 years ago.
TRMK has a better debt/assets ratio than last year.
2.2 Solvency
TRMK has a debt to FCF ratio of 4.72. This is a neutral value as TRMK would need 4.72 years to pay back of all of its debts.
TRMK's Debt to FCF ratio of 4.72 is on the low side compared to the rest of the industry. TRMK is outperformed by 65.90% of its industry peers.
TRMK has a Debt/Equity ratio of 0.58. This is a neutral value indicating TRMK is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.58, TRMK is doing worse than 78.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.37%
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.
TRMK shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.05%.
The Revenue has been decreasing by -2.19% on average over the past years.
EPS 1Y (TTM)31.65%
EPS 3Y9.95%
EPS 5Y5.95%
EPS Q2Q%11.9%
Revenue 1Y (TTM)45.05%
Revenue growth 3Y-4.97%
Revenue growth 5Y-2.19%
Sales Q2Q%4.89%
3.2 Future
The Earnings Per Share is expected to grow by 9.12% on average over the next years. This is quite good.
TRMK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.13% yearly.
EPS Next Y19.57%
EPS Next 2Y10.54%
EPS Next 3Y9.12%
EPS Next 5YN/A
Revenue Next Year6.74%
Revenue Next 2Y5.62%
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
The Price/Earnings ratio is 10.36, which indicates a very decent valuation of TRMK.
Based on the Price/Earnings ratio, TRMK is valued a bit cheaper than the industry average as 67.44% of the companies are valued more expensively.
TRMK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
The Price/Forward Earnings ratio is 9.98, which indicates a very decent valuation of TRMK.
TRMK's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 31.86. TRMK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.36 | ||
| Fwd PE | 9.98 |
4.2 Price Multiples
TRMK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TRMK is cheaper than 73.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.99 | ||
| 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)0.53
PEG (5Y)1.74
EPS Next 2Y10.54%
EPS Next 3Y9.12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.56%, TRMK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, TRMK has a dividend in line with its industry peers.
TRMK's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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 26.59% of its income as dividend. This is a sustainable payout ratio.
TRMK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.59%
EPS Next 2Y10.54%
EPS Next 3Y9.12%
NASDAQ:TRMK (11/7/2025, 10:49:19 AM)
37.93
+0.21 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.28%
Inst Owner Change-0.03%
Ins Owners1.67%
Ins Owner Change-1.73%
Market Cap2.29B
Revenue(TTM)782.86M
Net Income(TTM)217.12M
Analysts76.67
Price Target44.47 (17.24%)
Short Float %3.61%
Short Ratio7.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
Yearly Dividend0.93
Dividend Growth(5Y)0.23%
DP26.59%
Div Incr Years0
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.65%
Min EPS beat(2)3.87%
Max EPS beat(2)5.43%
EPS beat(4)4
Avg EPS beat(4)4.78%
Min EPS beat(4)0.64%
Max EPS beat(4)9.2%
EPS beat(8)7
Avg EPS beat(8)2.17%
EPS beat(12)10
Avg EPS beat(12)-10.81%
EPS beat(16)12
Avg EPS beat(16)-8.84%
Revenue beat(2)0
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-0.95%
Max Revenue beat(2)-0.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.28%
Min Revenue beat(4)-0.95%
Max Revenue beat(4)1.08%
Revenue beat(8)1
Avg Revenue beat(8)-4.59%
Revenue beat(12)3
Avg Revenue beat(12)-2.93%
Revenue beat(16)4
Avg Revenue beat(16)-2.69%
PT rev (1m)0%
PT rev (3m)4.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.99%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.36 | ||
| Fwd PE | 9.98 | ||
| P/S | 2.97 | ||
| P/FCF | 8.99 | ||
| P/OCF | 8.21 | ||
| P/B | 1.11 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY9.65%
EPS(NY)3.8
Fwd EY10.02%
FCF(TTM)4.22
FCFY11.12%
OCF(TTM)4.62
OCFY12.18%
SpS12.76
BVpS34.3
TBVpS26.56
PEG (NY)0.53
PEG (5Y)1.74
Graham Number53.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 10.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.18% | ||
| GM | N/A | ||
| FCFM | 33.05% |
ROA(3y)0.84%
ROA(5y)0.86%
ROE(3y)8.71%
ROE(5y)8.76%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 63.77% | ||
| Cap/Sales | 3.13% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.37%
ROIC/WACCN/A
Cap/Depr(3y)98.8%
Cap/Depr(5y)87.82%
Cap/Sales(3y)5.7%
Cap/Sales(5y)5.28%
Profit Quality(3y)164.76%
Profit Quality(5y)146.26%
High Growth Momentum
Growth
EPS 1Y (TTM)31.65%
EPS 3Y9.95%
EPS 5Y5.95%
EPS Q2Q%11.9%
EPS Next Y19.57%
EPS Next 2Y10.54%
EPS Next 3Y9.12%
EPS Next 5YN/A
Revenue 1Y (TTM)45.05%
Revenue growth 3Y-4.97%
Revenue growth 5Y-2.19%
Sales Q2Q%4.89%
Revenue Next Year6.74%
Revenue Next 2Y5.62%
Revenue Next 3Y5.13%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y103.55%
FCF growth 3Y-34.72%
FCF growth 5Y0.61%
OCF growth 1Y61.99%
OCF growth 3Y-30.53%
OCF growth 5Y0.09%
TRUSTMARK CORP / TRMK FAQ
Can you provide the ChartMill fundamental rating for TRUSTMARK CORP?
ChartMill assigns a fundamental rating of 4 / 10 to TRMK.
Can you provide the valuation status for TRUSTMARK CORP?
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.
What is the financial health of TRUSTMARK CORP (TRMK) stock?
The financial health rating of TRUSTMARK CORP (TRMK) is 2 / 10.
Can you provide the dividend sustainability for TRMK stock?
The dividend rating of TRUSTMARK CORP (TRMK) is 6 / 10 and the dividend payout ratio is 26.59%.