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Earnings transcript
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TRMK
Trustmark Corporation
$44.87
0.53
(1.2%)
| Exchange: | NASDAQ |
| Market Cap: | 2.63B |
| Shares Outstanding: | 52.5M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Duane Arthur Dewey | |||||
| Full Time Employees: | 2506 | |||||
| Address: |
| |||||
| Website: | https://www.trustmark.com |
Trustmark Corporation, the parent entity of Trustmark National Bank, delivers a comprehensive suite of banking and financial services to both individual consumers and corporate clients across the United States. Its operations are strategically divided into three core divisions: General Banking, Wealth Management, and Insurance. Under its General Banking arm, Trustmark provides a variety of deposit products, including checking, savings, money market, certificates of deposit (CDs), and individual retirement accounts (IRAs). The company also extends credit solutions such as commercial and industrial financing, loans for income-generating and owner-occupied commercial properties, construction and land development funding, personal installment loans, real estate loans, and lines of credit, alongside treasury management services. Its mortgage banking segment encompasses construction financing, the origination of conventional and government-backed mortgages, along with secondary market activities and comprehensive mortgage servicing. Furthermore, Trustmark delivers extensive wealth management and trust services, including the administration of personal trusts and estates, managing investment portfolios for individuals, employee benefit schemes, and philanthropic organizations. It also offers corporate trust and institutional custody, securities brokerage, financial and estate planning, retirement plan administration, and bespoke investment management. The insurance division caters to businesses with specialized products for sectors like healthcare, construction, manufacturing, hospitality, and real estate, in addition to group life and health plans. For individuals, it provides life, health, and personal lines insurance policies. As of December 31, 2021, Trustmark maintained a significant physical footprint, comprising 167 full-service and 13 limited-service branches, supplemented by 198 automated teller machines (ATMs) and 69 interactive teller machines (ITMs). Established in 1889, the company’s headquarters are situated in Jackson, Mississippi.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 916,334 | 831,368 | 1,120,271 |
| Gross Profit | 565,799 | 414,204 | 794,917 |
| EBITDA | 216,790 | 72,124 | 325,728 |
| Operating Income | 181,034 | 34,057 | 285,731 |
| Net Income | 165,489 | 223,009 | 224,135 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 18,722,189 | 18,234,684 | 18,925,211 |
| Total Liabilities | 17,060,342 | 16,190,095 | 16,803,534 |
| Total Stockholders Equity | 1,661,847 | 1,962,327 | 2,121,677 |
| Total Debt | 1,113,410 | 849,805 | 1,116,084 |
| Cash and Cash Equivalents | 975,343 | 567,251 | 668,007 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 196,887 | 116,929 | 243,902 |
| Capital Expenditure | -48,657 | -28,585 | 0 |
| Free Cash Flow | 148,230 | 88,344 | 243,902 |
| Net Income | 165,489 | 223,009 | 224,135 |
| Net Change in Cash | 240,756 | -408,092 | 100,756 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 867,463.703 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 898,498.529 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 888,120 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 203,575.609 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 210,858.834 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 208,423.210 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 246,914.654 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 250,536.893 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 248,725.774 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 331,849.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 343,722.125 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 339,751.801 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.100 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.140 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.080 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Trustmark Corporation reported positive net income in the second quarter of 2025, as highlighted in the earnings call transcript. Key financial results indicate consistent revenue and operating income, supported by strong operating cash flow trends from the cash flow statements, reflecting operational stability.
- Strategic Focus on Growth: The earnings call summary emphasizes a strategic focus on growth and disciplined expense management, suggesting effective cost control and potential for improved profitability. This aligns with positive revisions to financial forecasts for the year.
- Healthy Balance Sheet Metrics: Balance sheet data shows a reasonable level of cash and cash equivalents alongside total assets, indicating liquidity to support operations. The current ratio (from key metrics) further supports a stable short-term financial position.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TRMK intrinsic value between $21.18 – $46.31 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about TRMK valuation
Is Trustmark Corporation (TRMK) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Trustmark Corporation (TRMK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TRMK a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TRMK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TRMK’s P/E ratio?
You can see TRMK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TRMK?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TRMK a good long-term investment?
Whether TRMK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TRMK
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Daily snapshot
1.2
Trading Metrics:
| Open: | 45.07 | Previous Close: | 44.34 | |
| Day Low: | 44.48 | Day High: | 45.43 | |
| Year Low: | 33.39 | Year High: | 45.99 | |
| Price Avg 50: | 44.12 | Price Avg 200: | 41.35 | |
| Volume: | 241436 | Average Volume: | 394411 |
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Login — it's freeTRMK full analysis
Welcome to MARKETSNAP’s SWOT analysis for Trustmark Corporation, ticker TRMK! If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into Trustmark Corporation, a regional banking player that might not be on everyone’s radar but has some interesting dynamics worth exploring. Let’s break down what makes this company tick, analyze its recent performance, and lay out the strengths, weaknesses, opportunities, and threats that could shape its future. Grab…
