NASDAQ
TRMK
Last Price
US $48.29
KEY FIGURES
MKT CAP
$2.8B
EPS
TTM
$4.01
PEG
TTM
1.10x
P/E
TTM
12.05x
P/S
TTM
2.39x
YIELD
2.03%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.01%
Return on equity
ROIC: 6.18%
Valuation History
12.0X
Price to Earnings
EV/EBITDA: 8.6X
Cash flow
Profit margin
11.51%
(FY vs FY)
EBITDA Y/Y
7.10%
(FY vs FY)
Cash flow Y/Y
45.32%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $48.29
29.07%
Default assumptions
EBITDA Multiple
Fair Value
Market $48.29
-35.56%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Trustmark Corporation cash flow to debt ratio of 21.85% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Trustmark Corporation's free cash flow has increased 153.20% from $88.34M last year to $223.69M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Trustmark Corporation's debt to equity ratio is 0.36, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Trustmark Corporation's debt has decreased relative to shareholder equity from 0.43 last year to 0.36 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Trustmark Corporation has a net debt to EBITDA ratio of 1.38x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Trustmark Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
Trustmark Corporation's profit margin has decreased (-26.04%) in the last year from 26.82% to 19.84%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
Trustmark Corporation's short-term liabilities of $3.48G exceed its short-term assets of $2.54G, signaling financial risk
Decreasing performance - ROA.
Trustmark Corporation's return on assets of 1.22% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Trustmark Corporation's return on equity of 11.01%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Trustmark Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Trustmark Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Trustmark Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Trustmark Corporation has a free cash flow yield of 7.90%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Trustmark Corporation's yearly earnings has increased 0.50% since last year from $223.01M to $224.13M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Trustmark Corporation's yearly revenue has increased 34.75% since last year from $831.37M to $1.12G, signaling increasing performance
Increasing performance - ROIC.
ROIC 6.18% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Trustmark Corporation's 3-year revenue CAGR of 24.30% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Trustmark Corporation had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Trustmark Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Trustmark Corporation is undervalued relative to its fair value price of 62.33 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Trustmark Corporation has an earnings yield of 8.30%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Trustmark Corporation is overvalued relative to its fair value price of 31.12 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Trustmark Corporation has an EV/EBITDA ratio of 10.06x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
Trustmark Corporation has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
Trustmark Corporation has a price-to-book ratio of 1.32x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Trustmark Corporation has a price-to-sales ratio of 2.39x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue