38.56 USD
+0.93 (+2.47%)
38.56 USD
0 (0%)
TRMK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TRMK had positive earnings in the past year.
In the past year TRMK had a positive cash flow from operations.
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's Return On Assets of 1.18% is fine compared to the rest of the industry. TRMK outperforms 75.77% of its industry peers.
With a decent Return On Equity value of 10.53%, TRMK is doing good in the industry, outperforming 69.85% 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
With a decent Profit Margin value of 28.53%, TRMK is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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.
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 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.
With a Debt to FCF ratio value of 3.05, TRMK is not doing good in the industry: 61.60% of the companies in the same industry are doing better.
TRMK has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.39, TRMK is not doing good in the industry: 73.45% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.21%
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.
TRMK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.95% yearly.
Looking at the last year, TRMK shows a very strong growth in Revenue. 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
The Earnings Per Share is expected to grow by 9.12% on average over the next years. This is quite good.
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
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
A Price/Earnings ratio of 10.54 indicates a reasonable valuation of TRMK.
TRMK's Price/Earnings ratio is a bit cheaper when compared to the industry. TRMK is cheaper than 65.21% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. TRMK is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.15, which indicates a very decent valuation of TRMK.
TRMK's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of TRMK to the average of the S&P500 Index (34.46), we can say TRMK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 10.15 |
4.2 Price Multiples
TRMK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TRMK is cheaper than 74.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.73 | ||
| 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)0.54
PEG (5Y)1.77
EPS Next 2Y10.54%
EPS Next 3Y9.12%
5. Dividend
5.1 Amount
TRMK has a Yearly Dividend Yield of 2.52%.
TRMK's Dividend Yield is comparable with the industry average which is at 3.39.
TRMK's Dividend Yield is comparable with the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
The dividend of TRMK has a limited annual growth rate of 0.23%.
TRMK has been paying a dividend for at least 10 years, so it has a reliable track record.
TRMK has not decreased their dividend for at least 10 years, which is a reliable track record.
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%
38.56
+0.93 (+2.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.28%
Inst Owner Change0.94%
Ins Owners1.67%
Ins Owner Change-3.67%
Market Cap2.33B
Revenue(TTM)780.08M
Net Income(TTM)222.57M
Analysts76.67
Price Target44.47 (15.33%)
Short Float %2.89%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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%
PT rev (3m)0%
EPS NQ rev (1m)-0.6%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)4.56%
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 | 10.54 | ||
| Fwd PE | 10.15 | ||
| P/S | 2.98 | ||
| P/FCF | 8.73 | ||
| P/OCF | 8.15 | ||
| P/B | 1.1 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY9.49%
EPS(NY)3.8
Fwd EY9.85%
FCF(TTM)4.42
FCFY11.45%
OCF(TTM)4.73
OCFY12.27%
SpS12.92
BVpS35.02
TBVpS27.3
PEG (NY)0.54
PEG (5Y)1.77
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
WACC16.21%
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%.