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Earnings transcript
Read the complete earnings call transcript.
TRMK
Trustmark Corporation
$42.59
0.11
(0.26%)
| Exchange: | NASDAQ |
| Market Cap: | 2.507B |
| Shares Outstanding: | 52.5M |
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 operates as the bank holding company for Trustmark National Bank that provides banking and other financial solutions to individuals and corporate institutions in the United States. The company operates through three segments: General Banking, Wealth Management, and Insurance. It offers checking, savings, and money market accounts; certificates of deposits and individual retirement accounts; financing for commercial and industrial projects, income-producing commercial real estate, owner-occupied real estate, and construction and land development; and installment and real estate loans, and lines of credit, as well as treasury management services. The company also provides mortgage banking services, including construction financing, production of conventional and government-insured mortgages, and secondary marketing and mortgage servicing. In addition, it provides wealth management and trust services, such as administration of personal trusts and estates; management of investment accounts for individuals, employee benefit plans, and charitable foundations; and corporate trust and institutional custody, securities brokerage, financial and estate planning, retirement plan, and investment management services. Further, the company offers business insurance products and services for medical professionals, construction, manufacturing, hospitality, real estate, and group life and health plans; and life and health insurance, and personal line policies for individual customers. As of December 31, 2021, it operated 167 full-service branches and 13 limited service branches; and 198 automated teller machines and 69 interactive teller machines. The company was founded in 1889 and is headquartered in Jackson, Mississippi.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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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) | 876,898.343 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 901,265.056 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 889,840 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 205,789.722 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 211,508.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 208,826.858 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 242,596.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 249,820.679 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 246,208.732 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 335,458.937 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 344,780.465 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 340,409.790 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 4.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.010 | 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.
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
0.26
Trading Metrics:
| Open: | 41.87 | Previous Close: | 42.48 | |
| Day Low: | 41.84 | Day High: | 42.68 | |
| Year Low: | 29.77 | Year High: | 45.43 | |
| Price Avg 50: | 42.65 | Price Avg 200: | 39.8 | |
| Volume: | 321604 | Average Volume: | 402377 |
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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…
