(TRMK) Trustmark - Overview
Stock: Banking, Lending, Mortgages, Wealth Management, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.58% |
| Yield on Cost 5y | 4.74% |
| Yield CAGR 5y | 1.07% |
| Payout Consistency | 95.7% |
| Payout Ratio | 26.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.0% |
| Relative Tail Risk | -14.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.60 |
| Alpha | 5.22 |
| Character TTM | |
|---|---|
| Beta | 0.887 |
| Beta Downside | 1.018 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.79% |
| CAGR/Max DD | 0.52 |
Description: TRMK Trustmark January 13, 2026
Trustmark Corporation (NASDAQ:TRMK) is a bank holding company that operates Trustmark National Bank, serving individual and corporate clients across the United States through two primary segments: General Banking and Wealth Management. The firm offers a full suite of deposit products-including checking, savings, money-market accounts, CDs, and IRAs-alongside treasury-management services, commercial and residential loan portfolios, mortgage banking, and a range of wealth-management and trust solutions for high-net-worth individuals and institutional investors.
Key operating metrics that analysts watch for regional banks like Trustmark include a net interest margin (NIM) of roughly 3.2% in the most recent quarter, a loan-to-deposit ratio near 78%, and a return on assets (ROA) of 0.85%, all of which reflect the company’s ability to generate earnings in a rising-rate environment. The segment’s performance is sensitive to Federal Reserve policy, as higher rates boost NIM but can compress loan demand and elevate credit-risk exposure, especially in commercial real-estate and construction financing. Additionally, Trustmark’s wealth-management arm has been expanding its fee-based assets under management (AUM) at an annualized rate of ~6%, providing a non-interest-income buffer amid volatile loan growth.
For a deeper quantitative look, you might explore ValueRay’s analytics platform to see how Trustmark’s fundamentals stack up against its regional-bank peers.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 224.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.21 > 1.0 |
| NWC/Revenue: -1164 % < 20% (prev -1596 %; Δ 432.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 285.5m > Net Income 224.1m |
| Net Debt (-668.0m) to EBITDA (311.4m): -2.15 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.0m) vs 12m ago -2.31% < -2% |
| Gross Margin: 64.74% > 18% (prev 0.50%; Δ 6424 % > 0.5%) |
| Asset Turnover: 6.26% > 50% (prev 4.58%; Δ 1.68% > 0%) |
| Interest Coverage Ratio: 0.56 > 6 (EBITDA TTM 311.4m / Interest Expense TTM 372.3m) |
Altman Z'' -4.13
| A: -0.71 (Total Current Assets 2.54b - Total Current Liabilities 16.05b) / Total Assets 18.93b |
| B: 0.11 (Retained Earnings 2.04b / Total Assets 18.93b) |
| C: 0.01 (EBIT TTM 206.7m / Avg Total Assets 18.54b) |
| D: 0.12 (Book Value of Equity 2.04b / Total Liabilities 16.80b) |
| Altman-Z'' Score: -4.13 = D |
What is the price of TRMK shares?
Over the past week, the price has changed by +5.10%, over one month by +11.03%, over three months by +19.21% and over the past year by +18.08%.
Is TRMK a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TRMK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45.1 | 0.9% |
| Analysts Target Price | 45.1 | 0.9% |
| ValueRay Target Price | 50.6 | 13.2% |
TRMK Fundamental Data Overview February 01, 2026
P/S = 3.1949
P/B = 1.1827
P/EG = 2.73
Revenue TTM = 1.16b USD
EBIT TTM = 206.7m USD
EBITDA TTM = 311.4m USD
Long Term Debt = 394.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 420.0m USD (from shortTermDebt, two quarters ago)
Debt = 851.2m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -668.0m USD (from netDebt column, last quarter)
Enterprise Value = 855.8m USD (2.55b + Debt 851.2m - CCE 2.54b)
Interest Coverage Ratio = 0.56 (Ebit TTM 206.7m / Interest Expense TTM 372.3m)
EV/FCF = 3.04x (Enterprise Value 855.8m / FCF TTM 281.4m)
FCF Yield = 32.88% (FCF TTM 281.4m / Enterprise Value 855.8m)
FCF Margin = 24.25% (FCF TTM 281.4m / Revenue TTM 1.16b)
Net Margin = 19.32% (Net Income TTM 224.1m / Revenue TTM 1.16b)
Gross Margin = 64.74% ((Revenue TTM 1.16b - Cost of Revenue TTM 409.1m) / Revenue TTM)
Gross Margin QoQ = 72.56% (prev 56.76%)
Tobins Q-Ratio = 0.05 (Enterprise Value 855.8m / Total Assets 18.93b)
Interest Expense / Debt = 8.98% (Interest Expense 76.4m / Debt 851.2m)
Taxrate = 21.45% (15.8m / 73.7m)
NOPAT = 162.4m (EBIT 206.7m * (1 - 21.45%))
Current Ratio = 0.16 (Total Current Assets 2.54b / Total Current Liabilities 16.05b)
Debt / Equity = 0.40 (Debt 851.2m / totalStockholderEquity, last quarter 2.12b)
Debt / EBITDA = -2.15 (Net Debt -668.0m / EBITDA 311.4m)
Debt / FCF = -2.37 (Net Debt -668.0m / FCF TTM 281.4m)
Total Stockholder Equity = 2.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 224.1m / Total Assets 18.93b)
RoE = 10.77% (Net Income TTM 224.1m / Total Stockholder Equity 2.08b)
RoCE = 8.35% (EBIT 206.7m / Capital Employed (Equity 2.08b + L.T.Debt 394.1m))
RoIC = 6.14% (NOPAT 162.4m / Invested Capital 2.65b)
WACC = 8.65% (E(2.55b)/V(3.40b) * Re(9.18%) + D(851.2m)/V(3.40b) * Rd(8.98%) * (1-Tc(0.21)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.10%
[DCF Debug] Terminal Value 67.97% ; FCFF base≈188.6m ; Y1≈127.2m ; Y5≈61.2m
Fair Price DCF = 29.37 (EV 1.06b - Net Debt -668.0m = Equity 1.73b / Shares 59.0m; r=8.65% [WACC]; 5y FCF grow -38.04% → 2.90% )
EPS Correlation: 82.79 | EPS CAGR: 21.31% | SUE: 2.25 | # QB: 1
Revenue Correlation: 48.60 | Revenue CAGR: 22.97% | SUE: 3.51 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=6
EPS current Year (2026-12-31): EPS=3.80 | Chg30d=+0.035 | Revisions Net=+0 | Growth EPS=+2.7% | Growth Revenue=+4.8%
EPS next Year (2027-12-31): EPS=4.05 | Chg30d=+0.063 | Revisions Net=+0 | Growth EPS=+6.7% | Growth Revenue=+4.9%