39.23 USD
-0.48 (-1.21%)
39.23 USD
0 (0%)
Overall TRMK gets a fundamental rating of 4 out of 10. We evaluated TRMK against 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year TRMK was profitable.
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
The Return On Assets of TRMK (1.18%) is better than 74.68% of its industry peers.
Looking at the Return On Equity, with a value of 10.53%, TRMK is in the better half of the industry, outperforming 68.73% 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
TRMK has a Profit Margin of 28.53%. This is in the better half 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.
TRMK has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for TRMK has been reduced compared to 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.
TRMK has a Debt to FCF ratio of 3.05. This is in the lower half of the industry: TRMK underperforms 61.76% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that TRMK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.39, TRMK is doing worse than 72.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 3.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.18%
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%.
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
TRMK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.12% yearly.
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
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
A Price/Earnings ratio of 10.72 indicates a reasonable valuation of TRMK.
Based on the Price/Earnings ratio, TRMK is valued a bit cheaper than the industry average as 69.25% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.49. TRMK is valued rather cheaply when compared to this.
TRMK is valuated reasonably with a Price/Forward Earnings ratio of 10.23.
The rest of the industry has a similar Price/Forward Earnings ratio as TRMK.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, TRMK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 10.23 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TRMK indicates a somewhat cheap valuation: TRMK is cheaper than 73.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.82 | ||
| 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)0.55
PEG (5Y)1.8
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.
TRMK's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.31, TRMK has a dividend comparable with the average S&P500 company.
| 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 paid a dividend for at least 10 years, which is 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 26.11% 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 2Y11.03%
EPS Next 3Y9.12%
39.23
-0.48 (-1.21%)
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 Cap2.35B
Revenue(TTM)780.08M
Net Income(TTM)222.57M
Analysts76.67
Price Target44.88 (14.4%)
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 | 10.72 | ||
| Fwd PE | 10.23 | ||
| P/S | 3.02 | ||
| P/FCF | 8.82 | ||
| P/OCF | 8.24 | ||
| P/B | 1.11 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY9.33%
EPS(NY)3.83
Fwd EY9.77%
FCF(TTM)4.45
FCFY11.33%
OCF(TTM)4.76
OCFY12.14%
SpS13.01
BVpS35.26
TBVpS27.48
PEG (NY)0.55
PEG (5Y)1.8
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
WACC16.18%
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%.