TRUSTMARK CORP (TRMK)
US8984021027 - Common Stock
Taking everything into account, TRMK scores 3 out of 10 in our fundamental rating. TRMK was compared to 406 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 valied quite expensively at the moment, while it does show a decent 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.
TRMK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.10%, TRMK is in the better half of the industry, outperforming 74.50% of the companies in the same industry.
The Return On Equity of TRMK (10.24%) is better than 73.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 10.24% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.84%
ROE(3y)7.75%
ROE(5y)8.3%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 37.58%, TRMK belongs to the top of the industry, outperforming 93.56% of the companies in the same industry.
TRMK's Profit Margin has declined 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) | 37.58% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.06%
PM growth 5Y-2.24%
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.
Compared to 5 years ago, TRMK has less shares outstanding
Compared to 1 year ago, TRMK has an improved debt to assets ratio.
2.2 Solvency
TRMK has a debt to FCF ratio of 20.15. This is a negative value and a sign of low solvency as TRMK would need 20.15 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 20.15, TRMK is doing worse than 75.74% of the companies in the same industry.
A Debt/Equity ratio of 0.50 indicates that TRMK is somewhat dependend on debt financing.
TRMK has a Debt to Equity ratio of 0.50. This is in the lower half of the industry: TRMK underperforms 75.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 20.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.45%
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 78.21% over the past year.
TRMK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.07% yearly.
Looking at the last year, TRMK shows a very negative growth in Revenue. The Revenue has decreased by -29.46% in the last year.
The Revenue has been growing slightly by 4.38% on average over the past years.
EPS 1Y (TTM)78.21%
EPS 3Y2.32%
EPS 5Y4.07%
EPS Q2Q%50%
Revenue 1Y (TTM)-29.46%
Revenue growth 3Y2.21%
Revenue growth 5Y4.38%
Sales Q2Q%0.73%
3.2 Future
TRMK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.66% yearly.
TRMK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.86% yearly.
EPS Next Y-74.41%
EPS Next 2Y9.51%
EPS Next 3Y7.66%
EPS Next 5YN/A
Revenue Next Year-1.58%
Revenue Next 2Y1.19%
Revenue Next 3Y1.86%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
TRMK is valuated correctly with a Price/Earnings ratio of 12.85.
The rest of the industry has a similar Price/Earnings ratio as TRMK.
TRMK is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.99, which indicates a very decent valuation of TRMK.
64.36% of the companies in the same industry are more expensive than TRMK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.83. TRMK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 10.99 |
4.2 Price Multiples
TRMK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TRMK is more expensive than 77.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 44.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.16
EPS Next 2Y9.51%
EPS Next 3Y7.66%
5. Dividend
5.1 Amount
TRMK has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
TRMK's Dividend Yield is comparable with the industry average which is at 3.02.
Compared to an average S&P500 Dividend Yield of 2.24, TRMK has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
5.2 History
The dividend of TRMK decreases each year by -0.07%.
TRMK has paid a dividend for at least 10 years, which is a reliable track record.
TRMK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.07%
Div Incr Years0
Div Non Decr Years34
5.3 Sustainability
27.99% of the earnings are spent on dividend by TRMK. This is a low number and sustainable payout ratio.
DP27.99%
EPS Next 2Y9.51%
EPS Next 3Y7.66%
TRUSTMARK CORP
NASDAQ:TRMK (12/20/2024, 8:00:01 PM)
After market: 35.71 0 (0%)35.71
+1.07 (+3.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.16%
Inst Owner Change0.8%
Ins Owners2.07%
Ins Owner Change0.41%
Market Cap2.18B
Analysts74.55
Price Target39.53 (10.7%)
Short Float %2.47%
Short Ratio4.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
Dividend Growth(5Y)-0.07%
DP27.99%
Div Incr Years0
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.87%
Min EPS beat(2)0.64%
Max EPS beat(2)5.1%
EPS beat(4)4
Avg EPS beat(4)4.31%
Min EPS beat(4)0.64%
Max EPS beat(4)10.1%
EPS beat(8)6
Avg EPS beat(8)-19.34%
EPS beat(12)9
Avg EPS beat(12)-10.87%
EPS beat(16)12
Avg EPS beat(16)-6.17%
Revenue beat(2)0
Avg Revenue beat(2)-17.12%
Min Revenue beat(2)-33.86%
Max Revenue beat(2)-0.37%
Revenue beat(4)0
Avg Revenue beat(4)-8.95%
Min Revenue beat(4)-33.86%
Max Revenue beat(4)-0.37%
Revenue beat(8)1
Avg Revenue beat(8)-4.82%
Revenue beat(12)3
Avg Revenue beat(12)-3.22%
Revenue beat(16)5
Avg Revenue beat(16)-2.92%
PT rev (1m)7.64%
PT rev (3m)4.73%
EPS NQ rev (1m)1.79%
EPS NQ rev (3m)12.35%
EPS NY rev (1m)3.55%
EPS NY rev (3m)8.37%
Revenue NQ rev (1m)0.41%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 10.99 | ||
| P/S | 4.05 | ||
| P/FCF | 44.25 | ||
| P/OCF | 26.68 | ||
| P/B | 1.1 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.78
EY7.78%
EPS(NY)3.25
Fwd EY9.1%
FCF(TTM)0.81
FCFY2.26%
OCF(TTM)1.34
OCFY3.75%
SpS8.82
BVpS32.38
TBVpS24.84
PEG (NY)N/A
PEG (5Y)3.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 10.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 37.58% | ||
| GM | N/A | ||
| FCFM | 9.15% |
ROA(3y)0.71%
ROA(5y)0.84%
ROE(3y)7.75%
ROE(5y)8.3%
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 3Y-1.06%
PM growth 5Y-2.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 20.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 85.37% | ||
| Cap/Sales | 6.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 24.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.45%
ROIC/WACCN/A
Cap/Depr(3y)96.47%
Cap/Depr(5y)88.38%
Cap/Sales(3y)5.41%
Cap/Sales(5y)5.13%
Profit Quality(3y)223.38%
Profit Quality(5y)149.73%
High Growth Momentum
Growth
EPS 1Y (TTM)78.21%
EPS 3Y2.32%
EPS 5Y4.07%
EPS Q2Q%50%
EPS Next Y-74.41%
EPS Next 2Y9.51%
EPS Next 3Y7.66%
EPS Next 5YN/A
Revenue 1Y (TTM)-29.46%
Revenue growth 3Y2.21%
Revenue growth 5Y4.38%
Sales Q2Q%0.73%
Revenue Next Year-1.58%
Revenue Next 2Y1.19%
Revenue Next 3Y1.86%
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-83.28%
FCF growth 3Y62.57%
FCF growth 5Y-6.85%
OCF growth 1Y-75.2%
OCF growth 3Y44.47%
OCF growth 5Y-3.82%