Education
About Us
Working with TipRanks
Follow Us
Trustmark Corp. (TRMK)
NASDAQ:TRMK
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.88Last Year’s EPS
0.88Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized a strong 2025 with record revenue and net income, solid balance sheet growth, improving credit metrics, and continued investment in talent and wealth/mortgage businesses. While there are manageable near-term headwinds — quarter-to-quarter deposit volatility (public funds), modest expense growth, and a one-time NIM impact — guidance for 2026 is constructive (mid-single digit growth across loans, deposits, NII, noninterest income and expense) and capital management is balanced between buybacks, dividends and optional M&A. Highlights materially outweigh the lowlights.Company Guidance
Record Full-Year Net Income and EPS
Trustmark reported record 2025 net income of $224.1 million and diluted EPS of $3.70. Q4 net income was $57.9 million with diluted EPS of $0.97, up 3.2% linked-quarter and 5.4% year-over-year.
Strong Year-over-Year Earnings Growth
Net income from adjusted continuing operations increased $37.8 million, or 20.3% in 2025, contributing to a return on average assets of 1.21% and return on average tangible equity of 12.97%.
Revenue and Net Interest Income Milestones
Total revenue was $204 million in Q4 and a record $800 million for the full year. Full-year net interest income totaled $647 million, up 8.4% year-over-year, and Q4 NII was $166 million with a NIM of 3.81% (adjusted NIM 3.83%).
Loan and Deposit Growth (Year-over-Year)
Loans held for investment grew $584 million (4.5% year-over-year) and deposits increased $392 million (2.6% year-over-year), driven by $568 million growth in commercial and personal balances.
Improved Wealth & Mortgage Performance
Wealth Management revenue reached an all-time high and Mortgage Banking showed increased production and significant profitability improvement, aided by improving MSR hedging dynamics and asset value recovery.
Prudent Capital Management and Shareholder Returns
Repurchased $80 million of common stock in 2025 (including $43 million in Q4), representing ~3.5% of outstanding shares at YE 2024; Board increased quarterly dividend 4.2% to $0.25 (FY dividend $1.00). Company returned ~61.8% of 2025 net income to shareholders.
Solid Credit Metrics and Reserve Position
Full-year net charge-offs were ~13 bps of average loans; Q4 net charge-offs were $7.6 million (0.22% of average loans) and the allowance for credit losses was 1.15% of loans held for investment at year-end, reflecting improved credit quality (criticized down $181M; classified down $57M for the year).
Capital Ratios Strengthened
Issued $170 million of 6% fixed-to-floating subordinated debt in Q4 (used to repay $125 million existing sub debt), ending the year with CET1 ratio of 11.72% and total risk-based capital ratio of 14.41%.
TRMK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TRMK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $41.14 | ― | ― |
Oct 28, 2025 | $38.46 | $37.72 | -1.92% |
Jul 22, 2025 | $38.25 | $37.88 | -0.97% |
Apr 22, 2025 | $33.16 | $33.24 | +0.24% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Trustmark Corp. (TRMK) report earnings?
Trustmark Corp. (TRMK) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Trustmark Corp. (TRMK) earnings time?
Trustmark Corp. (TRMK) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TRMK EPS forecast?
TRMK EPS forecast for the fiscal quarter 2026 (Q1) is 0.88.