40.63 USD
-0.27 (-0.66%)
40.63 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TRMK. TRMK was compared to 387 industry peers in the Banks industry. TRMK has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
Each year in the past 5 years TRMK had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.18%, TRMK is in the better half of the industry, outperforming 74.68% of the companies in the same industry.
TRMK's Return On Equity of 10.53% is fine compared to the rest of the industry. TRMK outperforms 68.73% of its industry peers.
| 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.
The Operating Margin and Gross Margin are not available for TRMK so they could not be analyzed.
| 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.
Compared to 1 year ago, TRMK has about the same amount of shares outstanding.
TRMK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for TRMK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of TRMK is 3.05, which is a good value as it means it would take TRMK, 3.05 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.05, TRMK is doing worse than 61.76% of the companies in the same industry.
A Debt/Equity ratio of 0.39 indicates that TRMK is not too dependend on debt financing.
TRMK has a worse Debt to Equity ratio (0.39) than 72.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16%
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.
The Earnings Per Share has been growing slightly by 5.95% on average over the past years.
The Revenue has grown by 44.54% in the past year. This is a very strong growth!
Measured over the past years, TRMK shows a decrease in Revenue. The Revenue has been decreasing by -2.19% on average per year.
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
Based on estimates for the next years, TRMK will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.12% on average per year.
The Revenue is expected to grow by 5.13% on average over the next years.
EPS Next Y19.57%
EPS Next 2Y11.03%
EPS Next 3Y9.12%
EPS Next 5YN/A
Revenue Next Year6.62%
Revenue Next 2Y5.63%
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.
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
The Price/Earnings ratio is 11.10, which indicates a very decent valuation of TRMK.
TRMK's Price/Earnings ratio is a bit cheaper when compared to the industry. TRMK is cheaper than 68.73% of the companies in the same industry.
TRMK is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.60 indicates a reasonable valuation of TRMK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TRMK is on the same level as its industry peers.
TRMK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| Fwd PE | 10.6 |
4.2 Price Multiples
74.42% of the companies in the same industry are more expensive than TRMK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.14 | ||
| 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)0.57
PEG (5Y)1.87
EPS Next 2Y11.03%
EPS Next 3Y9.12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.42%, TRMK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, TRMK has a dividend in line with its industry peers.
TRMK's Dividend Yield is comparable with the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
26.11% of the earnings are spent on dividend by TRMK. This is a low number and sustainable payout ratio.
The dividend of TRMK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.11%
EPS Next 2Y11.03%
EPS Next 3Y9.12%
40.63
-0.27 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.22%
Inst Owner Change0.91%
Ins Owners1.67%
Ins Owner Change-2.35%
Market Cap2.44B
Revenue(TTM)780.08M
Net Income(TTM)222.57M
Analysts76.67
Price Target44.88 (10.46%)
Short Float %2.61%
Short Ratio4.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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)0.92%
PT rev (3m)0.92%
EPS NQ rev (1m)-0.18%
EPS NQ rev (3m)-1.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.1 | ||
| Fwd PE | 10.6 | ||
| P/S | 3.12 | ||
| P/FCF | 9.14 | ||
| P/OCF | 8.53 | ||
| P/B | 1.15 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY9.01%
EPS(NY)3.83
Fwd EY9.44%
FCF(TTM)4.45
FCFY10.94%
OCF(TTM)4.76
OCFY11.72%
SpS13.01
BVpS35.26
TBVpS27.48
PEG (NY)0.57
PEG (5Y)1.87
Graham Number53.89
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%
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 2Y11.03%
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 Year6.62%
Revenue Next 2Y5.63%
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%.