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Upturn AI Summary - About
Trustmark Corporation(TRMK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TRMK
10/28/2026: TRMK (3-star) is currently NOT-A-BUY. Pass it for now.
Trustmark Corporation is a well-established regional financial services firm providing banking, insurance, and wealth management across the Southeastern United States. The company is recognized for its stable, relationship-based approach and conservative balance sheet, which serve as its primary competitive strengths. Its main investment appeal lies in reliable dividend income and steady, low-volatility growth. However, Trustmark faces risks from limited geographic scale and sensitivity to interest rate fluctuations compared to larger national banking competitors. It is best suited for value and dividend-focused investors, who should monitor the company’s progress in digital transformation and its success in expanding fee-based revenue streams.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Trustmark is a mature regional bank with stable rather than hyper-growth prospects. |
| Momentum investor | Mixed fit | This style is conditional on a positive upturn in interest rate outlooks or regional economic expansion. |
| Value investor | Strong fit | The stock often trades at valuations reflective of its stable, income-generating business model. |
| Dividend investor | Strong fit | Trustmark has a long-standing history of paying reliable dividends. |
| Low-risk investor | Strong fit | Its conservative balance sheet and established regional presence appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader sector volatility related to banking industry sentiment. |
| Valuation risk | Low | Current market pricing is generally anchored to stable earnings and book value metrics. |
| Competition risk (regional banking) | Medium / high | Larger banks have the scale to outspend smaller competitors on technology and marketing. |
| Business quality | Strong | The company maintains a high-quality, conservative loan portfolio. |
| Dividend income | Strong | The dividend is a key component of the investment thesis for long-term holders. |
| Execution risk | Low | Management has a long track record of operational consistency. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 22.12% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.68B USD | Price to earnings Ratio 11.71 | 1Y Target Price 50.5 |
Price to earnings Ratio 11.71 | 1Y Target Price 50.5 | ||
Volume (30-day avg) 404.0K shares | Beta 0.66 | 52 Weeks Range 35.59 - 48.73 | Updated Date 10/28/2026 |
52 Weeks Range 35.59 - 48.73 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.12% | Basic EPS (TTM) 3.94 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit engine from lending activities. |
| Non-Interest Income | Service charges, insurance commissions, and wealth management fees. | This provides diversified income beyond traditional lending. |
| Geography | Operations centered in Mississippi, Alabama, and Florida. | Regional economic health directly dictates revenue performance. |
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 1 | Actual 1 |
Profitability
Profit Margin 28.74% | Operating Margin (TTM) 36.78% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 11.12% |
Valuation
Trailing PE 11.71 | Forward PE 11.89 | Enterprise Value 2.79B | Price to Sales(TTM) 3.29 |
Enterprise Value 2.79B | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA - | Shares Outstanding 58.07M | Shares Floating 56.60M |
Shares Outstanding 58.07M | Shares Floating 56.60M | ||
Percent Insiders 6.84 | Percent Institutions 82.27 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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