TRUSTMARK CORP (TRMK) Stock Fundamental Analysis
USA - NASDAQ:TRMK - US8984021027 - Common Stock
38.74 USD
+0.7 (+1.84%)
38.74 USD
0 (0%)
Taking everything into account, TRMK scores 4 out of 10 in our fundamental rating. TRMK was compared to 390 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 correct valuation and a medium 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.
Each year in the past 5 years TRMK had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.17%, TRMK is doing good in the industry, outperforming 76.21% of the companies in the same industry.
TRMK's Return On Equity of 10.48% is fine compared to the rest of the industry. TRMK outperforms 71.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 10.48% | ||
| 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 28.18%, TRMK is doing good in the industry, outperforming 74.68% of the companies in the same industry.
TRMK's Profit Margin has improved in the last couple of years.
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) | 28.18% | ||
| 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.
Compared to 1 year ago, TRMK has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of TRMK is 4.72, which is a neutral value as it means it would take TRMK, 4.72 years of fcf income to pay off all of its debts.
TRMK's Debt to FCF ratio of 4.72 is on the low side compared to the rest of the industry. TRMK is outperformed by 65.73% of its industry peers.
A Debt/Equity ratio of 0.58 indicates that TRMK is somewhat dependend on debt financing.
The Debt to Equity ratio of TRMK (0.58) is worse than 78.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.14%
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 42.40% over the past year.
The Earnings Per Share has been growing slightly by 5.95% on average over the past years.
The Revenue has grown by 42.40% in the past year. This is a very strong growth!
The Revenue has been decreasing by -2.19% on average over the past years.
EPS 1Y (TTM)42.4%
EPS 3Y9.95%
EPS 5Y5.95%
EPS Q2Q%37.31%
Revenue 1Y (TTM)42.4%
Revenue growth 3Y-4.97%
Revenue growth 5Y-2.19%
Sales Q2Q%42.74%
3.2 Future
Based on estimates for the next years, TRMK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.57% on average per year.
The Revenue is expected to grow by 5.60% on average over the next years.
EPS Next Y19.47%
EPS Next 2Y10.66%
EPS Next 3Y8.57%
EPS Next 5YN/A
Revenue Next Year6.84%
Revenue Next 2Y5.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
TRMK is valuated reasonably with a Price/Earnings ratio of 10.88.
Compared to the rest of the industry, the Price/Earnings ratio of TRMK indicates a somewhat cheap valuation: TRMK is cheaper than 63.43% of the companies listed in the same industry.
TRMK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.89.
Based on the Price/Forward Earnings ratio of 10.17, the valuation of TRMK can be described as reasonable.
TRMK's Price/Forward Earnings ratio is in line with the industry average.
TRMK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.88 | ||
| Fwd PE | 10.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TRMK is valued a bit cheaper than 73.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.18 | ||
| 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)0.56
PEG (5Y)1.83
EPS Next 2Y10.66%
EPS Next 3Y8.57%
5. Dividend
5.1 Amount
TRMK has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
TRMK's Dividend Yield is comparable with the industry average which is at 3.53.
TRMK's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| 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 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 26.59% 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.
DP26.59%
EPS Next 2Y10.66%
EPS Next 3Y8.57%
38.74
+0.7 (+1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.28%
Inst Owner Change0.15%
Ins Owners1.67%
Ins Owner Change-1.73%
Market Cap2.34B
Revenue(TTM)770.45M
Net Income(TTM)217.12M
Analysts76.67
Price Target44.47 (14.79%)
Short Float %3.41%
Short Ratio7.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend0.93
Dividend Growth(5Y)0.23%
DP26.59%
Div Incr Years0
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.65%
Min EPS beat(2)3.87%
Max EPS beat(2)5.43%
EPS beat(4)4
Avg EPS beat(4)4.78%
Min EPS beat(4)0.64%
Max EPS beat(4)9.2%
EPS beat(8)7
Avg EPS beat(8)2.17%
EPS beat(12)10
Avg EPS beat(12)-10.81%
EPS beat(16)12
Avg EPS beat(16)-8.84%
Revenue beat(2)0
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-0.95%
Max Revenue beat(2)-0.88%
Revenue beat(4)1
Avg Revenue beat(4)-0.28%
Min Revenue beat(4)-0.95%
Max Revenue beat(4)1.08%
Revenue beat(8)1
Avg Revenue beat(8)-4.59%
Revenue beat(12)3
Avg Revenue beat(12)-2.93%
Revenue beat(16)4
Avg Revenue beat(16)-2.69%
PT rev (1m)0%
PT rev (3m)4.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.99%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.88 | ||
| Fwd PE | 10.17 | ||
| P/S | 3.04 | ||
| P/FCF | 9.18 | ||
| P/OCF | 8.39 | ||
| P/B | 1.13 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.56
EY9.19%
EPS(NY)3.81
Fwd EY9.83%
FCF(TTM)4.22
FCFY10.89%
OCF(TTM)4.62
OCFY11.92%
SpS12.76
BVpS34.3
TBVpS26.56
PEG (NY)0.56
PEG (5Y)1.83
Graham Number52.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 10.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.18% | ||
| GM | N/A | ||
| FCFM | 33.05% |
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 | 0.58 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 63.77% | ||
| Cap/Sales | 3.13% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.14%
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)42.4%
EPS 3Y9.95%
EPS 5Y5.95%
EPS Q2Q%37.31%
EPS Next Y19.47%
EPS Next 2Y10.66%
EPS Next 3Y8.57%
EPS Next 5YN/A
Revenue 1Y (TTM)42.4%
Revenue growth 3Y-4.97%
Revenue growth 5Y-2.19%
Sales Q2Q%42.74%
Revenue Next Year6.84%
Revenue Next 2Y5.6%
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 1Y103.55%
FCF growth 3Y-34.72%
FCF growth 5Y0.61%
OCF growth 1Y61.99%
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 26.59%.