39.2 USD
+0.77 (+2%)
39.2 USD
0 (0%)
Taking everything into account, TRMK scores 4 out of 10 in our fundamental rating. TRMK was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of TRMK while its profitability can be described as average. TRMK is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TRMK had positive earnings in the past year.
TRMK had a positive operating cash flow in the past year.
In the past 5 years TRMK has always been profitable.
TRMK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TRMK has a better Return On Assets (1.18%) than 74.94% of its industry peers.
With a decent Return On Equity value of 10.53%, TRMK is doing good in the industry, outperforming 69.25% of the companies in the same industry.
| 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
TRMK's Profit Margin of 28.53% is fine compared to the rest of the industry. TRMK outperforms 73.39% 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) | 28.53% | ||
| 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.
The number of shares outstanding for TRMK remains at a similar level compared to 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
TRMK has a debt to FCF ratio of 3.05. This is a good value and a sign of high solvency as TRMK would need 3.05 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.05, TRMK is doing worse than 60.98% of the companies in the same industry.
TRMK has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.39, TRMK is doing worse than 72.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TRMK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.65%, which is quite impressive.
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 44.54%.
TRMK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.19% yearly.
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
TRMK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.12% yearly.
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 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
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
TRMK is valuated reasonably with a Price/Earnings ratio of 10.71.
Based on the Price/Earnings ratio, TRMK is valued a bit cheaper than 66.41% of the companies in the same industry.
TRMK is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.32, the valuation of TRMK can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TRMK is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, TRMK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 10.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TRMK is valued a bit cheaper than the industry average as 73.90% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.55
PEG (5Y)1.8
EPS Next 2Y10.54%
EPS Next 3Y9.12%
5. Dividend
5.1 Amount
TRMK has a Yearly Dividend Yield of 2.55%.
Compared to an average industry Dividend Yield of 3.33, TRMK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, TRMK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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.
TRMK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP26.11%
EPS Next 2Y10.54%
EPS Next 3Y9.12%
39.2
+0.77 (+2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.28%
Inst Owner Change0.91%
Ins Owners1.67%
Ins Owner Change-2.35%
Market Cap2.37B
Revenue(TTM)780.08M
Net Income(TTM)222.57M
Analysts76.67
Price Target44.68 (13.98%)
Short Float %2.89%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend0.93
Dividend Growth(5Y)0.23%
DP26.11%
Div Incr Years0
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.44%
Min EPS beat(2)-0.99%
Max EPS beat(2)3.87%
EPS beat(4)3
Avg EPS beat(4)4.38%
Min EPS beat(4)-0.99%
Max EPS beat(4)9.2%
EPS beat(8)7
Avg EPS beat(8)4.34%
EPS beat(12)9
Avg EPS beat(12)-11.44%
EPS beat(16)12
Avg EPS beat(16)-7.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.76%
Min Revenue beat(4)-2.3%
Max Revenue beat(4)1.08%
Revenue beat(8)1
Avg Revenue beat(8)-4.85%
Revenue beat(12)2
Avg Revenue beat(12)-3.47%
Revenue beat(16)4
Avg Revenue beat(16)-2.6%
PT rev (1m)0.46%
PT rev (3m)0.46%
EPS NQ rev (1m)-0.6%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)-0.69%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 10.32 | ||
| P/S | 3.03 | ||
| P/FCF | 8.88 | ||
| P/OCF | 8.29 | ||
| P/B | 1.12 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY9.34%
EPS(NY)3.8
Fwd EY9.69%
FCF(TTM)4.42
FCFY11.27%
OCF(TTM)4.73
OCFY12.07%
SpS12.92
BVpS35.02
TBVpS27.3
PEG (NY)0.55
PEG (5Y)1.8
Graham Number53.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.53% | ||
| GM | N/A | ||
| FCFM | 34.18% |
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 | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.92% | ||
| Cap/Sales | 2.42% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.79% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.08%
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)44.54%
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 1Y75.17%
FCF growth 3Y-34.72%
FCF growth 5Y0.61%
OCF growth 1Y42.27%
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 26.11%.