TRUSTMARK CORP(NASDAQ:TRMK) stock Fundamental Analysis

Fundamental Rating

TRMK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 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.

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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.

Each year in the past 5 years TRMK has been profitable.

In the past 5 years TRMK always reported a positive cash flow from operatings.

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 74.62% of the companies in the same industry.

With a decent Return On Equity value of 10.24%, TRMK is doing good in the industry, outperforming 74.62% of the companies in the same industry.

		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 93.72% of the companies in the same industry.

In the last couple of years the Profit Margin of TRMK has declined.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

TRMK has a better debt/assets ratio than last year.

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.

The Debt to FCF ratio of TRMK (20.15) is worse than 76.88% of its industry peers.

TRMK has a Debt/Equity ratio of 0.50. This is a neutral value indicating TRMK is somewhat dependend on debt financing.

TRMK has a worse Debt to Equity ratio (0.50) than 76.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.5
Debt/FCF	20.15
Altman-Z	N/A

ROIC/WACCN/A

WACC13.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

TRMK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 78.21%, which is quite impressive.

The Earnings Per Share has been growing slightly by 4.07% on average over the past years.

TRMK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -29.46%.

Measured over the past years, TRMK shows a small growth in Revenue. The Revenue has been growing by 4.38% on average per year.

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

The Earnings Per Share is expected to grow by 7.66% on average over the next years.

The Revenue is expected to grow by 2.36% on average over the next years.

EPS Next Y-74.41%

EPS Next 2Y9.51%

EPS Next 3Y7.66%

EPS Next 5YN/A

Revenue Next Year-1.5%

Revenue Next 2Y1.28%

Revenue Next 3Y2.36%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

TRMK is valuated correctly with a Price/Earnings ratio of 13.14.

TRMK's Price/Earnings is on the same level as the industry average.

TRMK is valuated cheaply when we compare the Price/Earnings ratio to 28.42, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 11.24, the valuation of TRMK can be described as very reasonable.

Based on the Price/Forward Earnings ratio, TRMK is valued a bit cheaper than the industry average as 62.56% of the companies are valued more expensively.

TRMK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.39.

		Industry Rank	Sector Rank
PE	13.14
Fwd PE	11.24

4.2 Price Multiples

79.15% of the companies in the same industry are cheaper than TRMK, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	45.25
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.23

EPS Next 2Y9.51%

EPS Next 3Y7.66%

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5. Dividend

5.1 Amount

TRMK has a Yearly Dividend Yield of 2.63%.

Compared to an average industry Dividend Yield of 3.19, TRMK has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.27, TRMK has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.63%

5.2 History

The dividend of TRMK decreases each year by -0.07%.

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)-0.07%

Div Incr Years0

Div Non Decr Years34

5.3 Sustainability

TRMK pays out 27.99% of its income as dividend. This is a sustainable payout ratio.

DP27.99%

EPS Next 2Y9.51%

EPS Next 3Y7.66%

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TRUSTMARK CORP

NASDAQ:TRMK (1/28/2025, 8:08:26 PM)

After market: 36.52 0 (0%)

36.52

+0.29 (+0.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-22 2024-10-22/amc

Earnings (Next)01-28 2025-01-28/amc

Inst Owners71.48%

Inst Owner Change-0.03%

Ins Owners1.63%

Ins Owner Change0.41%

Market Cap2.23B

Analysts74.55

Price Target41.57 (13.83%)

Short Float %2.25%

Short Ratio3.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.63%

Yearly Dividend0.93

Dividend Growth(5Y)-0.07%

DP27.99%

Div Incr Years0

Div Non Decr Years34

Ex-DateN/A

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)5.16%

PT rev (3m)13.19%

EPS NQ rev (1m)0%

EPS NQ rev (3m)12.35%

EPS NY rev (1m)0%

EPS NY rev (3m)8.37%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.14%

Revenue NY rev (1m)0.08%

Revenue NY rev (3m)6.55%

Valuation

		Industry Rank	Sector Rank
PE	13.14
Fwd PE	11.24
P/S	4.14
P/FCF	45.25
P/OCF	27.29
P/B	1.13
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)2.78

EY7.61%

EPS(NY)3.25

Fwd EY8.9%

FCF(TTM)0.81

FCFY2.21%

OCF(TTM)1.34

OCFY3.66%

SpS8.82

BVpS32.38

TBVpS24.84

PEG (NY)N/A

PEG (5Y)3.23

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

WACC13.97%

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-1.5%

Revenue Next 2Y1.28%

Revenue Next 3Y2.36%

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%

TRUSTMARK CORP (TRMK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens