TRUSTMARK CORP (TRMK) Fundamental Analysis & Valuation

NASDAQ:TRMK • US8984021027

Current stock price

44.91 USD
-0.44 (-0.97%)
At close:
44.91 USD
0 (0%)
After Hours:

This TRMK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TRMK Profitability Analysis

1.1 Basic Checks

  • In the past year TRMK was profitable.
  • In the past year TRMK had a positive cash flow from operations.
  • Each year in the past 5 years TRMK has been profitable.
  • In the past 5 years TRMK always reported a positive cash flow from operatings.
TRMK Yearly Net Income VS EBIT VS OCF VS FCFTRMK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • TRMK has a better Return On Assets (1.18%) than 73.16% of its industry peers.
  • With a decent Return On Equity value of 10.56%, TRMK is doing good in the industry, outperforming 63.95% of the companies in the same industry.
Industry RankSector Rank
ROA 1.18%
ROE 10.56%
ROIC N/A
ROA(3y)1.1%
ROA(5y)0.91%
ROE(3y)10.63%
ROE(5y)9.03%
ROIC(3y)N/A
ROIC(5y)N/A
TRMK Yearly ROA, ROE, ROICTRMK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of TRMK (28.48%) is better than 68.16% 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 RankSector Rank
OM N/A
PM (TTM) 28.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y40.48%
PM growth 5Y4.53%
GM growth 3YN/A
GM growth 5YN/A
TRMK Yearly Profit, Operating, Gross MarginsTRMK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. TRMK Health Analysis

2.1 Basic Checks

  • TRMK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TRMK has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TRMK has less shares outstanding
  • TRMK has a worse debt/assets ratio than last year.
TRMK Yearly Shares OutstandingTRMK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
TRMK Yearly Total Debt VS Total AssetsTRMK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of TRMK is 3.66, which is a good value as it means it would take TRMK, 3.66 years of fcf income to pay off all of its debts.
  • TRMK has a Debt to FCF ratio of 3.66. This is in the lower half of the industry: TRMK underperforms 62.63% of its industry peers.
  • A Debt/Equity ratio of 0.39 indicates that TRMK is not too dependend on debt financing.
  • TRMK has a worse Debt to Equity ratio (0.39) than 72.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACCN/A
WACC13.82%
TRMK Yearly LT Debt VS Equity VS FCFTRMK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TRMK Yearly Current Assets VS Current LiabilitesTRMK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TRMK Growth Analysis

3.1 Past

  • TRMK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.29%, which is quite good.
  • TRMK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.96% yearly.
  • TRMK shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.22%.
  • TRMK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.34% yearly.
EPS 1Y (TTM)19.29%
EPS 3Y47.33%
EPS 5Y7.96%
EPS Q2Q%5.43%
Revenue 1Y (TTM)43.22%
Revenue growth 3Y3.99%
Revenue growth 5Y2.34%
Sales Q2Q%2.82%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.73% on average over the next years.
  • Based on estimates for the next years, TRMK will show a small growth in Revenue. The Revenue will grow by 4.93% on average per year.
EPS Next Y4.66%
EPS Next 2Y5.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.98%
Revenue Next 2Y4.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TRMK Yearly Revenue VS EstimatesTRMK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
TRMK Yearly EPS VS EstimatesTRMK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4

4. TRMK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.11 indicates a correct valuation of TRMK.
  • Compared to the rest of the industry, the Price/Earnings ratio of TRMK is on the same level as its industry peers.
  • TRMK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.78.
  • A Price/Forward Earnings ratio of 11.57 indicates a reasonable valuation of TRMK.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TRMK.
  • TRMK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 12.11
Fwd PE 11.57
TRMK Price Earnings VS Forward Price EarningsTRMK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as TRMK.
Industry RankSector Rank
P/FCF 11.82
EV/EBITDA N/A
TRMK Per share dataTRMK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TRMK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.6
PEG (5Y)1.52
EPS Next 2Y5.73%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. TRMK Dividend Analysis

5.1 Amount

  • TRMK has a Yearly Dividend Yield of 2.21%. Purely for dividend investing, there may be better candidates out there.
  • TRMK's Dividend Yield is comparable with the industry average which is at 2.59.
  • TRMK's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.21%

5.2 History

  • The dividend of TRMK has a limited annual growth rate of 1.02%.
  • TRMK has been paying a dividend for at least 10 years, so it has 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)1.02%
Div Incr Years1
Div Non Decr Years34
TRMK Yearly Dividends per shareTRMK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 26.08% of the earnings are spent on dividend by TRMK. This is a low number and sustainable payout ratio.
  • The dividend of TRMK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.08%
EPS Next 2Y5.73%
EPS Next 3YN/A
TRMK Yearly Income VS Free CF VS DividendTRMK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
TRMK Dividend Payout.TRMK Dividend Payout, showing the Payout Ratio.TRMK Dividend Payout.PayoutRetained Earnings

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TRMK Fundamentals: All Metrics, Ratios and Statistics

TRUSTMARK CORP

NASDAQ:TRMK (4/10/2026, 8:00:01 PM)

After market: 44.91 0 (0%)

44.91

-0.44 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners76.47%
Inst Owner Change0%
Ins Owners2.21%
Ins Owner Change3.34%
Market Cap2.64B
Revenue(TTM)786.90M
Net Income(TTM)224.13M
Analysts75
Price Target46.1 (2.65%)
Short Float %4.03%
Short Ratio5.41
Dividend
Industry RankSector Rank
Dividend Yield 2.21%
Yearly Dividend0.97
Dividend Growth(5Y)1.02%
DP26.08%
Div Incr Years1
Div Non Decr Years34
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.62%
Min EPS beat(2)-0.99%
Max EPS beat(2)4.24%
EPS beat(4)3
Avg EPS beat(4)3.14%
Min EPS beat(4)-0.99%
Max EPS beat(4)5.43%
EPS beat(8)7
Avg EPS beat(8)4.7%
EPS beat(12)10
Avg EPS beat(12)5.26%
EPS beat(16)13
Avg EPS beat(16)-5.84%
Revenue beat(2)0
Avg Revenue beat(2)-1.9%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-1.5%
Revenue beat(4)0
Avg Revenue beat(4)-1.4%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)-0.88%
Revenue beat(8)1
Avg Revenue beat(8)-4.94%
Revenue beat(12)2
Avg Revenue beat(12)-3.24%
Revenue beat(16)4
Avg Revenue beat(16)-2.42%
PT rev (1m)1.86%
PT rev (3m)2.73%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-0.21%
EPS NY rev (1m)0.17%
EPS NY rev (3m)1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 12.11
Fwd PE 11.57
P/S 3.36
P/FCF 11.82
P/OCF 10.84
P/B 1.25
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.71
EY8.26%
EPS(NY)3.88
Fwd EY8.65%
FCF(TTM)3.8
FCFY8.46%
OCF(TTM)4.14
OCFY9.23%
SpS13.37
BVpS36.04
TBVpS28.13
PEG (NY)2.6
PEG (5Y)1.52
Graham Number54.85
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 10.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.48%
GM N/A
FCFM 28.43%
ROA(3y)1.1%
ROA(5y)0.91%
ROE(3y)10.63%
ROE(5y)9.03%
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 3Y40.48%
PM growth 5Y4.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 3.66
Debt/EBITDA N/A
Cap/Depr 50.53%
Cap/Sales 2.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.82%
ROIC/WACCN/A
Cap/Depr(3y)87.23%
Cap/Depr(5y)83.01%
Cap/Sales(3y)4.94%
Cap/Sales(5y)4.91%
Profit Quality(3y)76.33%
Profit Quality(5y)161.91%
High Growth Momentum
Growth
EPS 1Y (TTM)19.29%
EPS 3Y47.33%
EPS 5Y7.96%
EPS Q2Q%5.43%
EPS Next Y4.66%
EPS Next 2Y5.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.22%
Revenue growth 3Y3.99%
Revenue growth 5Y2.34%
Sales Q2Q%2.82%
Revenue Next Year4.98%
Revenue Next 2Y4.93%
Revenue Next 3YN/A
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 1Y153.21%
FCF growth 3Y-5.19%
FCF growth 5Y45.33%
OCF growth 1Y108.59%
OCF growth 3Y-6.3%
OCF growth 5Y30.15%

TRUSTMARK CORP / TRMK Fundamental Analysis 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 for TRMK stock?

ChartMill assigns a valuation rating of 4 / 10 to TRUSTMARK CORP (TRMK). This can be considered as Fairly Valued.


Can you provide the profitability details for TRUSTMARK CORP?

TRUSTMARK CORP (TRMK) has a profitability rating of 4 / 10.


What is the earnings growth outlook for TRUSTMARK CORP?

The Earnings per Share (EPS) of TRUSTMARK CORP (TRMK) is expected to grow by 4.66% in the next year.


Is the dividend of TRUSTMARK CORP sustainable?

The dividend rating of TRUSTMARK CORP (TRMK) is 7 / 10 and the dividend payout ratio is 26.08%.