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TRUSTMARK CORP (TRMK) Stock Fundamental Analysis

NASDAQ:TRMK - Nasdaq - US8984021027 - Common Stock - Currency: USD

35.12  -0.11 (-0.31%)

After market: 35.12 0 (0%)

Fundamental Rating

4

Taking everything into account, TRMK scores 4 out of 10 in our fundamental rating. TRMK was compared to 397 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.


Dividend Valuation Growth Profitability Health

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5

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.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

TRMK's Return On Assets of 1.23% is amongst the best of the industry. TRMK outperforms 80.35% of its industry peers.
TRMK's Return On Equity of 11.36% is fine compared to the rest of the industry. TRMK outperforms 79.09% of its industry peers.
Industry RankSector 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
TRMK Yearly ROA, ROE, ROICTRMK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 40.59%, TRMK belongs to the top of the industry, outperforming 96.47% of the companies in the same industry.
In the last couple of years the Profit Margin of TRMK has grown nicely.
The Operating Margin and Gross Margin are not available for TRMK so they could not be analyzed.
Industry RankSector 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
TRMK Yearly Profit, Operating, Gross MarginsTRMK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

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.
Compared to 5 years ago, TRMK has less shares outstanding
TRMK has a better debt/assets ratio than last year.
TRMK Yearly Shares OutstandingTRMK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
TRMK Yearly Total Debt VS Total AssetsTRMK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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 75.06% 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.
The Debt to Equity ratio of TRMK (0.31) is worse than 69.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 6.92
Altman-Z N/A
ROIC/WACCN/A
WACC16.87%
TRMK Yearly LT Debt VS Equity VS FCFTRMK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 28.79% over the past year.
The Earnings Per Share has been growing slightly by 5.95% on average over the past years.
TRMK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.71%.
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.
TRMK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.57% yearly.
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

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.
TRMK Yearly Revenue VS EstimatesTRMK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
TRMK Yearly EPS VS EstimatesTRMK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

TRMK is valuated reasonably with a Price/Earnings ratio of 10.61.
Based on the Price/Earnings ratio, TRMK is valued a bit cheaper than 68.77% of the companies in the same industry.
TRMK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.
The Price/Forward Earnings ratio is 9.80, 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 20.44. TRMK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.61
Fwd PE 9.8
TRMK Price Earnings VS Forward Price EarningsTRMK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TRMK is valued a bit more expensive than the industry average as 77.08% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 24.14
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.05
PEG (5Y)1.78
EPS Next 2Y7.37%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

TRMK has a Yearly Dividend Yield of 2.82%.
TRMK's Dividend Yield is comparable with the industry average which is at 3.49.
Compared to an average S&P500 Dividend Yield of 2.44, TRMK has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.82%

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
TRMK Yearly Dividends per shareTRMK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

TRMK pays out 25.47% of its income as dividend. This is a sustainable payout ratio.
The dividend of TRMK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.47%
EPS Next 2Y7.37%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
TRMK Dividend Payout.TRMK Dividend Payout, showing the Payout Ratio.TRMK Dividend Payout.PayoutRetained Earnings

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TRUSTMARK CORP

NASDAQ:TRMK (5/9/2025, 8:24:54 PM)

After market: 35.12 0 (0%)

35.12

-0.11 (-0.31%)

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 Change-0.08%
Ins Owners1.78%
Ins Owner Change7.04%
Market Cap2.13B
Analysts76.67
Price Target42.28 (20.39%)
Short Float %3.05%
Short Ratio4.65
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend0.93
Dividend Growth(5Y)0.23%
DP25.47%
Div Incr Years0
Div Non Decr Years34
Ex-Date05-30 2025-05-30 (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)-4.16%
PT rev (3m)0.12%
EPS NQ rev (1m)-0.61%
EPS NQ rev (3m)6.74%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)4.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.59%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 10.61
Fwd PE 9.8
P/S 3.88
P/FCF 24.14
P/OCF 18.24
P/B 1.09
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)3.31
EY9.42%
EPS(NY)3.59
Fwd EY10.21%
FCF(TTM)1.45
FCFY4.14%
OCF(TTM)1.93
OCFY5.48%
SpS9.05
BVpS32.32
TBVpS24.51
PEG (NY)1.05
PEG (5Y)1.78
Profitability
Industry RankSector 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 RankSector 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
WACC16.87%
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%