TRUSTMARK CORP(NASDAQ:TRMK) stock Fundamental Analysis

Fundamental Rating

TRMK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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.

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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.

Each year in the past 5 years TRMK has been profitable.

Each year in the past 5 years TRMK had a positive operating cash flow.

1.2 Ratios

TRMK's Return On Assets of 1.23% is amongst the best of the industry. TRMK outperforms 80.15% of its industry peers.

TRMK's Return On Equity of 11.36% is fine compared to the rest of the industry. TRMK outperforms 79.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.23%
ROE	11.36%
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 40.59%, TRMK belongs to the top of the industry, outperforming 96.48% 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)	40.59%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

TRMK has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, TRMK has an improved debt to assets ratio.

2.2 Solvency

TRMK has a debt to FCF ratio of 6.92. This is a slightly negative value and a sign of low solvency as TRMK would need 6.92 years to pay back of all of its debts.

TRMK has a Debt to FCF ratio of 6.92. This is in the lower half of the industry: TRMK underperforms 73.62% of its industry peers.

TRMK has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.

TRMK has a worse Debt to Equity ratio (0.31) than 68.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	6.92
Altman-Z	N/A

ROIC/WACCN/A

WACC17.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

TRMK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.79%, which is quite impressive.

The Earnings Per Share has been growing slightly by 5.95% on average over the past years.

Looking at the last year, TRMK shows a very negative growth in Revenue. The Revenue has decreased by -21.71% in the last year.

TRMK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.19% yearly.

EPS 1Y (TTM)28.79%

EPS 3Y9.95%

EPS 5Y5.95%

EPS Q2Q%29.41%

Revenue 1Y (TTM)-21.71%

Revenue growth 3Y-4.97%

Revenue growth 5Y-2.19%

Sales Q2Q%3.02%

3.2 Future

TRMK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.37% yearly.

Based on estimates for the next years, TRMK will show a small growth in Revenue. The Revenue will grow by 4.57% on average per year.

EPS Next Y10.14%

EPS Next 2Y7.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.46%

Revenue Next 2Y4.57%

Revenue Next 3YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

TRMK is valuated reasonably with a Price/Earnings ratio of 10.11.

Compared to the rest of the industry, the Price/Earnings ratio of TRMK indicates a somewhat cheap valuation: TRMK is cheaper than 70.85% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 28.92. TRMK is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 9.34 indicates a reasonable valuation of TRMK.

TRMK's Price/Forward Earnings ratio is in line with the industry average.

TRMK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.65.

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.34

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TRMK is valued a bit more expensive than the industry average as 76.13% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	23.03
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)1

PEG (5Y)1.7

EPS Next 2Y7.37%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TRMK has a Yearly Dividend Yield of 2.83%.

TRMK's Dividend Yield is comparable with the industry average which is at 3.63.

TRMK's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.83%

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 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 25.47% 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.

DP25.47%

EPS Next 2Y7.37%

EPS Next 3YN/A

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TRUSTMARK CORP

NASDAQ:TRMK (4/24/2025, 8:00:02 PM)

After market: 33.47 0 (0%)

33.47

-0.41 (-1.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-22 2025-04-22/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners73.43%

Inst Owner Change0.12%

Ins Owners1.78%

Ins Owner Change5.65%

Market Cap2.03B

Analysts76.67

Price Target42.28 (26.32%)

Short Float %3.19%

Short Ratio5.98

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.83%

Yearly Dividend0.93

Dividend Growth(5Y)0.23%

DP25.47%

Div Incr Years0

Div Non Decr Years34

Ex-Date02-28 2025-02-28 (0.24)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.92%

Min EPS beat(2)0.64%

Max EPS beat(2)9.2%

EPS beat(4)4

Avg EPS beat(4)6.26%

Min EPS beat(4)0.64%

Max EPS beat(4)10.1%

EPS beat(8)7

Avg EPS beat(8)6.33%

EPS beat(12)10

Avg EPS beat(12)-8.83%

EPS beat(16)12

Avg EPS beat(16)-6.8%

Revenue beat(2)1

Avg Revenue beat(2)0.35%

Min Revenue beat(2)-0.37%

Max Revenue beat(2)1.08%

Revenue beat(4)1

Avg Revenue beat(4)-8.48%

Min Revenue beat(4)-33.86%

Max Revenue beat(4)1.08%

Revenue beat(8)2

Avg Revenue beat(8)-4.16%

Revenue beat(12)4

Avg Revenue beat(12)-2.76%

Revenue beat(16)5

Avg Revenue beat(16)-2.86%

PT rev (1m)0.58%

PT rev (3m)6.13%

EPS NQ rev (1m)-0.41%

EPS NQ rev (3m)7.68%

EPS NY rev (1m)-0.25%

EPS NY rev (3m)5.41%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.78%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)1.27%

Valuation

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.34
P/S	3.7
P/FCF	23.03
P/OCF	17.4
P/B	1.04
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)3.31

EY9.89%

EPS(NY)3.59

Fwd EY10.71%

FCF(TTM)1.45

FCFY4.34%

OCF(TTM)1.92

OCFY5.75%

SpS9.04

BVpS32.28

TBVpS24.48

PEG (NY)1

PEG (5Y)1.7

Profitability

		Industry Rank	Sector Rank
ROA	1.23%
ROE	11.36%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.59%
GM	N/A
FCFM	16.08%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	6.92
Debt/EBITDA	N/A
Cap/Depr	75.09%
Cap/Sales	5.2%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	39.61%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC17.15%

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)28.79%

EPS 3Y9.95%

EPS 5Y5.95%

EPS Q2Q%29.41%

EPS Next Y10.14%

EPS Next 2Y7.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-21.71%

Revenue growth 3Y-4.97%

Revenue growth 5Y-2.19%

Sales Q2Q%3.02%

Revenue Next Year5.46%

Revenue Next 2Y4.57%

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 1Y-40.4%

FCF growth 3Y-34.72%

FCF growth 5Y0.61%

OCF growth 1Y-40.61%

OCF growth 3Y-30.53%

OCF growth 5Y0.09%

TRUSTMARK CORP (TRMK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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