Trustmark Corporation research snapshot
TRMK AI stock analysis reads Trustmark Corporation as a well-established regional bank holding company headquartered in Jackson, Mississippi, operating across Alabama, Florida, Georgia, Mississippi, Tennessee, and Texas with around $19.2 billion in total assets. At the August 4, 2026 data cutoff, TRMK closed at $48.02 on August 3, 2026, a fresh 52-week high, with a verified market capitalization near $2.80 billion that matches the price times the 58.23 million period-end shares reported in the Q2 2026 earnings release. Q2 2026, released July 28, 2026, showed reported net income of $63.5 million or $1.08 diluted EPS, boosted by $6.9 million of non-routine gains from a mortgage loan sale and a Visa share exchange, with operating net income of $56.7 million or $0.97 excluding those items. The net interest margin expanded to 3.84%, nonperforming assets fell 47.3%, the core deposit system conversion was completed, and management affirmed mid-single-digit loan and deposit growth guidance with a 380 to 385 net interest margin range for full year 2026. At 12.2x trailing earnings, 12.07x forward earnings, and 1.55x tangible book value, the stock is no longer cheap after a 52-week gain of about 31%, and the six covering analysts all rate it Hold with an average target of $49.25, only about 2.6% above the current price. This page uses scenario ranges and source checks, not a certain stock price prediction, and is for informational use only, not investment advice.
Current price
$48.02 at the August 3, 2026, 4:00 PM EDT market close, up 0.57 or 1.20% from the $47.45 July 31 close, after opening at $47.74 and trading in a session range of $47.45 to $48.09
Market cap
$2.80 billion reported by StockAnalysis.com at the August 3, 2026 close, matching the $48.02 price times 58.23 million shares outstanding, with the Q2 2026 earnings release listing 58,225,687 period-end shares as of June 30, 2026
AI score
67 / 100
Rating
Stable community bank with improving margin and credit momentum, now trading at a fresh 52-week high
Trend status
Bullish trend above the 50-day and 200-day moving averages near $45.68 and $42.54, at a fresh 52-week high of $48.09 set on August 3, 2026, with 14-day RSI near 64
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Trustmark generates revenue from net interest income on loans and deposits, plus noninterest income from wealth management, mortgage banking, bank card and other fees across six Southeastern states. The bank has a conservative credit culture, a sticky low-cost deposit base, and completed a major core deposit system conversion in Q2 2026. | High |
| Moat | Moat comes from a long operating history dating to 1889, deep local relationships in Mississippi and Alabama, a sticky deposit base with a 1.59% cost of total deposits, and a diversified wealth management business. However, moat is limited by the competitive and commoditized nature of community banking. | Medium |
| Management | CEO Duane Dewey has led the bank since 2018, delivering consistent profitability, a rising dividend, and conservative credit standards. Management completed a complex core system conversion in Q2 2026, executed buybacks of $40.9 million in the first half, and affirmed mid-single-digit growth guidance, with a new COO and CFO now in place after the May 2026 leadership changes. | Medium |
| Financial trend | Revenue and earnings are improving. Q2 2026 revenue grew 2.6% linked quarter to $208.2 million, the net interest margin expanded 3 basis points to 3.84%, nonperforming assets fell 47.3%, and reported EPS rose to $1.08, although $0.11 of that came from non-routine gains. TTM net income is near $234 million with TTM EPS of $3.93. | High |
| Valuation | At $48.02, TRMK trades at 12.2x TTM EPS of $3.93, 12.07x forward earnings, and 1.55x tangible book value per share of $31.07. The consensus analyst target of $49.25 is only about 2.6% above the price, and the 52-week range of $36.28 to $48.09 means the stock is at the top of its range. | Medium-high |
| Technical trend | TRMK is in a clear uptrend, closing at $48.02 on August 3, 2026, above the 50-day moving average near $45.68 and the 200-day near $42.54, and setting a fresh 52-week high of $48.09. The breakout came on below-average volume near 310,000 shares, so confirmation on stronger volume would strengthen the trend. | Medium |
| Risk level | Main risks include net interest margin pressure from deposit competition, commercial real estate payoff and credit exposure, muted core loan growth after heavy CRE prepayments, non-recurring gains inflating Q2 EPS, geographic concentration in the Southeastern US, and an all-Hold analyst consensus with targets clustered near the current price. | Medium-high |
| AI confidence | High for descriptive facts, the Q2 2026 earnings release, and cross-checked valuation math that matched across StockAnalysis.com, SEC EDGAR, and financial_rigor.py. Medium for forward scenarios and chart levels because interest rates, deposit pricing, and credit cycles are uncertain. | High data confidence |
| Investment certainty | Medium-low certainty. The page frames scenarios and monitoring rules, not a buy or sell instruction, and the current price already reflects much of the improved outlook. | Medium-low |
TRMK AI stock forecast
The TRMK AI stock forecast uses scenario math around the $48.02 August 3, 2026 close and the TTM GAAP EPS of $3.93. The three-scenario framework produced a bearish area near $32, a base area near $49, and a bullish area near $63 before dividends, using EPS growth of -3%, 4%, and 7% and exit multiples of 9x, 11x, and 13x over three years. These are scenarios, not price commitments.
$60 to $66
More likely if the net interest margin holds above 3.80% as fixed-rate loans reprice, deposit competition eases, loan growth reaches the mid-single-digit guidance, credit quality stays strong, Southeast data center and manufacturing investment supports demand, and the market re-rates the stock toward 13x earnings if EPS compounds around 7% annually.
$45 to $52
More likely if TRMK compounds EPS around 4% annually with a stable net interest margin near 3.80% to 3.85%, manageable credit costs, continued buybacks, and investors value the company near 11x forward earnings, consistent with the Hold consensus and the $47 to $49 analyst target range.
$30 to $35
More likely if deposit competition compresses the net interest margin, commercial real estate credit losses rise, the Southeast economy softens, buybacks slow, or investors reprice the stock near 9x earnings on stagnant or declining EPS in a recession scenario.
TRMK AI technical analysis
TRMK AI technical analysis is bullish but extended as of the August 4, 2026 data cutoff. The stock closed at $48.02 on August 3, 2026, setting a fresh 52-week high of $48.09 and trading above the 50-day moving average near $45.68 and the 200-day near $42.54, with 14-day RSI near 64 on StockAnalysis.com statistics. The breakout came on below-average volume, so the setup is positive but the low-risk entry zone is narrow at the top of the 52-week range.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $48.02 | StockAnalysis.com real-time quote at the August 3, 2026, 4:00 PM EDT close, up 0.57 or 1.20% from the $47.45 July 31 close after opening at $47.74 in a session range of $47.45 to $48.09, a fresh 52-week high. |
| Near support | $46.50 to $47.00 | The 20-day moving average computed near $46.63 from the StockAnalysis.com daily price history, plus the July consolidation zone around $46 to $47, should provide initial support. |
| Key support | $45.50 to $46.00 | The 50-day moving average near $45.68 is the next support reference below the current price. |
| Deeper support | $42.50 to $43.00 | The 200-day moving average near $42.54 marks the longer-term trend line and a deeper pullback zone. |
| Near resistance | $48.09 | The 52-week high set on August 3, 2026 is the immediate overhead resistance. |
| Key resistance | $50 to $52 | The next psychological and chart zone above the 52-week high, a breakout target for a sustained move higher. |
| 52-week low | $36.28 | The August 2025 low is the lower reference point; a move back toward it would signal a major trend change. |
| Momentum | RSI near 64 | The 14-day RSI was near 64.06 on StockAnalysis.com statistics on August 3, 2026, strong but not overbought. |
| Volume | 20-day average near 479,000 shares | The August 3 session printed about 310,000 shares, below the 20-day average, so the move to a fresh 52-week high is not yet confirmed by heavy volume. |
| Beta | 0.64 | Low beta indicates the stock is less volatile than the broad market, which limits both upside and downside relative to the S&P 500. |
| Invalidation | Close below $46.60 | A sustained close below the 20-day moving average near $46.63 would weaken near-term momentum, and a close below the 50-day near $45.68 would turn the medium-term trend bearish. |
TRMK AI trading strategy
The TRMK AI trading strategy is a rules-based research framework for monitoring a stable Southeastern regional bank at a fresh 52-week high. It is not personal advice and should be paired with fresh chart data, filings, position sizing, and a defined invalidation level.
Watch for TRMK to hold above the $48.09 52-week high on volume above the 20-day average of about 479,000 shares with positive momentum. A sustained breakout would target the $50 to $52 resistance zone. The next quarterly earnings report and net interest margin commentary would be key confirmation catalysts.
A close back below the $46.50 to $47.00 support zone or a failed breakout above the 52-week high should invalidate the near-term trend-following setup.
If TRMK pulls back toward the $46.50 to $47.00 zone without a negative earnings revision, compare the pullback depth with net interest margin trends, loan and deposit growth data, and credit quality metrics before assuming support is durable.
Do not average down without a maximum loss rule because regional banks can gap on interest rate surprises or CRE credit events, and the stock is trading near the top of its range.
Track net interest margin, loan and deposit growth, nonperforming assets, CRE and C&I credit quality, net charge-offs, buyback execution, wealth management revenue, efficiency ratio, and tangible book value per share.
Reduce confidence if the net interest margin compresses consistently, deposit costs rise faster than loan yields, credit loss provisions increase notably, or buybacks slow, indicating that earnings quality is deteriorating.
Investment research summary
Trustmark is a community bank that takes deposits and makes loans across six Southeastern states, supplemented by wealth management, mortgage banking, and insurance services. Customers pay for relationship-based banking, local decision-making, and convenience across a branch network in Alabama, Florida, Georgia, Mississippi, Tennessee, and Texas.
The moat is relationship-based rather than technology-driven. Trustmark has a long operating history dating to 1889, deep roots in Mississippi and Alabama, a sticky low-cost deposit base with a 1.59% cost of total deposits, and an established wealth management business that creates switching costs. However, community banking is a competitive, low-moat industry where larger regional and national banks can replicate most services.
The thesis fails if net interest margin compresses as deposit competition raises funding costs, commercial real estate credit losses spike from a CRE downturn, the Southeastern economy underperforms, the $0.11 per share of Q2 non-routine gains do not repeat while core loan growth stays muted, or buybacks slow.
Management should be judged by net interest margin trajectory, loan and deposit growth, credit quality metrics, expense control including post-conversion efficiency gains, and capital allocation decisions including dividend growth, buybacks, and any M&A activity. Duane Dewey has led the bank since 2018, and a new COO and CFO were named in 2026.
Trustmark operates in the slowly evolving community banking industry, which faces long-term challenges from digital transformation, regulatory burden, and consolidation. The bank is not positioned in a high-growth or disruptive industry, but its conservative model may be resilient through cycles, and management cited unusually strong Southeast US economic activity from data center and manufacturing investment.
At 12.2x trailing earnings, 12.07x forward earnings, and 1.55x tangible book value, with a consensus analyst target only about 2.6% above the price, margin of safety is limited at the fresh 52-week high. Margin of safety would improve if the stock pulls back toward the $45.50 to $46.00 zone while earnings and the net interest margin remain stable.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| TRMK price | $48.02 at the August 3, 2026, 4:00 PM EDT close, up 0.57 or 1.20% from the $47.45 July 31 close after opening at $47.74 in a session range of $47.45 to $48.09, confirmed by the daily price history table | StockAnalysis.com real-time quote and daily price history | August 4, 2026 |
| Market capitalization | $2.80 billion reported by StockAnalysis.com at the August 3, 2026 close, matching the $48.02 price times 58.23 million shares outstanding, with the Q2 2026 earnings release listing 58,225,687 period-end shares as of June 30, 2026 | StockAnalysis.com statistics and Trustmark Q2 2026 earnings release, verified with financial_rigor.py | August 4, 2026 |
| Q2 2026 net income | $63.5 million reported, or $1.08 diluted EPS; operating net income of $56.7 million, or $0.97 diluted EPS, excluding $6.9 million of non-routine gains | Trustmark Q2 2026 earnings release | August 4, 2026 |
| Q2 2026 net interest margin | 3.84%, up 3 basis points linked quarter, with net interest income FTE of $168.6 million | Trustmark Q2 2026 earnings release | August 4, 2026 |
| Q2 2026 credit quality | Nonperforming assets down 47.3% to $54.9 million, or 0.39% of loans; nonaccrual loans down 48.7% to $49.7 million; net charge-offs of $1.2 million excluding the mortgage loan sale, or 0.03% of average loans | Trustmark Q2 2026 earnings release | August 4, 2026 |
| Shares outstanding | 58.23 million period-end as of June 30, 2026 (58,225,687 shares) | Trustmark Q2 2026 earnings release | August 4, 2026 |
| EPS (TTM) | $3.93 | S&P Global via stockanalysis.com statistics | August 4, 2026 |
| P/E ratio (TTM) | 12.22, verified as $48.02 / $3.93 | S&P Global via stockanalysis.com, verified with financial_rigor.py | August 4, 2026 |
| Forward P/E | 12.07 | S&P Global via stockanalysis.com statistics | August 4, 2026 |
| Price to tangible book | 1.55x, using the $31.07 tangible book value per share reported for June 30, 2026 | S&P Global via stockanalysis.com and Trustmark Q2 2026 earnings release | August 4, 2026 |
| Revenue (TTM) | $815.77 million | S&P Global via stockanalysis.com statistics | August 4, 2026 |
| Net income (TTM) | $234.30 million | S&P Global via stockanalysis.com statistics | August 4, 2026 |
| Analyst ratings | Hold consensus across 6 analysts with an average 12-month target of $49.25; DA Davidson raised its target to $48 from $46 and Piper Sandler to $47 from $45.50 after Q2 results | S&P Global via stockanalysis.com and analyst note summaries via TipRanks and TheFly | August 4, 2026 |
| Dividend | $1.00 annualized, $0.25 quarterly, 2.08% yield, ex-dividend date September 1, 2026 | S&P Global via stockanalysis.com and Trustmark Q2 2026 earnings release | August 4, 2026 |
| 52-week range | $36.28 to $48.09 | S&P Global via stockanalysis.com and the daily price history table | August 4, 2026 |
| Beta | 0.64 | S&P Global via stockanalysis.com statistics | August 4, 2026 |
| Moving averages | 50-day near $45.68 and 200-day near $42.54, cross-checked against the computed 20-day moving average near $46.63 from the daily price history | S&P Global via stockanalysis.com statistics and daily price history | August 4, 2026 |
This page is an informational research tool only and is not investment advice, financial advice, or a recommendation to buy or sell TRMK stock. Forecast scenarios are based on available public data, technical snapshots, and stated assumptions as of the data cutoff date and may be wrong. Always verify current filings, prices, risks, and personal suitability before making financial decisions.
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