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TRMK

🏦 Financial Services

Trustmark Corporation

Conservative #31Aggressive #134Low RiskHigh 87
$44.05+2.18%
Day High$44.14
Day Low$43.19
Volume0.3M
Mkt Cap$2.6B
52W Low $3052W High $45
Market Cap
$2.7B
P/E Ratio
11.9
Sector avg: 49.4
Rev Growth
34.8%
Sector avg: 13.4%
Earnings Growth
0.5%
Profit Margin
19.3%
Sector avg: -2.8%
Debt/Equity
0.53

Why This Score

TRMK scores 75.6 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Attractively valued at 11.9x earnings, below the market average.
  • Low volatility (4.9% annualized) — well-suited for risk-averse portfolios.
  • Positive but moderate momentum (25%) — steady appreciation without overheating.
  • High conviction (87/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.

Minor adjustments (-2.0 points) applied. TRMK's rank of #31 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score75.6
Fundamental Score72.5
ML Score78.0

Score by Horizon

3 Month
81.1
6 Month
90.7
Primary
1 Year
95.5

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
42
Neutral
Analyst (6.4%)
47
Neutral
Tradability (post-hoc)
64
Grade B
Base
71.6
SHAP
+2.3
Factors
+0.7
Conviction
+0.9
Final
75.6
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)67.0
Technical (Momentum, Weinstein, Volatility)83.0
External (Sentiment, Analyst, Macro)47.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+6.2% to +11.6%
Medium-term
+10.3% to +18.4%
Long-term
+15.7% to +26.8%

ML Model Core Features100 trained inputs → ML Score: 78

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score47.2/100
Target Upside-13.2%
Coverage9 analysts
Market Sentiment
Sentiment Score42.2/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.3%
6M Momentum+0.1%
Volatility+0.0%
Momentum & Technical
Momentum Acceleration+13.0%
Momentum ConsistencyModerate (0.49)
Relative Strength vs Sector+16.6%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality+0.236
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
5%
Low risk
Sector RevGr Rank
P89
Revenue growth vs Financial Services peers
Sector PE Rank
P58
Valuation vs Financial Services peers
Sector FCF Rank
P79
Free cash flow vs Financial Services peers
Growth Deviation
+0.5σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 73 relative to sector peers73/100
Machine learning model ranks this stock at the 84th percentileP84
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +5.0pt (features align with model priorities)
Blend: 91% fund (72.7) + 9% ML (84.3) + SHAP(+5.0) = 78.8
Factor quality: +1.6pt (multi-factor composite)
Risk assessment: low. Annualized volatility 4.9%. Stability bonus of +12.0 pointsLow
Market cap adjustment: -4.0 points ($2.7B market cap)-4.0 pts
Conviction bonus: +2.0pt (conviction=87)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -8 pointsGrade B
Quality concern: High accrual ratio (-28.3%) — earnings quality concern; CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #8 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
TRMK75.611.934.8%19.3%$2.7B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
CNOB72.017.513.4%11.9%$1.4B
Sector Average45.849.413.4%-2.8%

Market Sentimentvia FMP

Analyst Consensus
Hold9 analysts
Buy: 1Hold: 6Sell: 2
Price Target
$38consensus
Low $37Median $38High $38
-14.9% to consensus target

Company Overviewvia FMP

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.

CEO
Duane Arthur Dewey
Employees
2,506
Beta
0.68
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
51.4
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-3%
High: $45.43
From 52W Low
+48%
Low: $29.77
Moving Averages
10-Day
$44.10
Below
20-Day
$43.70
Above
50-Day
$41.80
Above
200-Day
$38.90
Above
60-Day Support
$36.41
60-Day Resistance
$45.43
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 72/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+13.2%
200 SMA Slope (60d)
+5.74%
Rising
Volume Ratio
1.18x
10d avg vs 50d avg
Days in Stage
67
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$283M$383M$249M$245M
Gross Profit$205M$218M$166M$162M
Operating Income$74M$73M$69M$65M
Net Income$58M$57M$56M$54M
EPS (Diluted)$0.97$0.94$0.92$0.88
Gross Margin72.6%56.8%66.5%66.3%
Operating Margin26.0%18.9%27.6%26.7%
Net Margin20.4%14.8%22.4%21.9%

Why This Stock

Financial ServicesP/E ratio of 11.9Revenue growth 34.8%Profit margin 19.3%Valuation below sector median (P/E 11.9)

Tradability FilterGrade B — 64/100Score impact: +1.1pt

Volume
60
304K avg/day
Dollar Vol
66
$13M/day
Float
60
0K shares
Mkt Cap
61
$2.7B
Range
86
53% spread
Composite Liquidity Score64/100
FDCBA

Multi-Year Range Analysis

Sideways: 9/100
YearLowHighRangeStatus
2021$28.81$36.3123%Narrow
2022$26.67$38.4736.2%Wide
2023$18.96$35.5860.9%Wide
2024$25.24$40.7347%Wide
2025$29.77$41.4332.8%Moderate
3-Year Range
74.4%
Narrow Years
1 / 5
Sideways Penalty
None
Free Float
0.0%
Outstanding Shares
0M
Bid-Ask Spread
53.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.