OTCPK:TRUX

Stock Analysis Report

Executive Summary

Truxton Corporation operates as the holding company for Truxton Trust Company that provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions.

Snowflake

Fundamentals

Adequate balance sheet with acceptable track record.

Risks

  • Truxton is not covered by any analysts.

Share Price & News

How has Truxton's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.5%

OTCPK:TRUX

3.3%

US Banks

2.1%

US Market


1 Year Return

15.3%

OTCPK:TRUX

-13.8%

US Banks

-0.04%

US Market

TRUX outperformed the Banks industry which returned -14.8% over the past year.

TRUX outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

TRUXIndustryMarket
7 Day-0.5%3.3%2.1%
30 Day-1.6%-7.0%-3.2%
90 Day6.5%-2.3%2.8%
1 Year18.1%15.3%-11.3%-13.8%2.2%-0.04%
3 Year70.7%58.6%42.5%32.7%41.5%32.3%
5 Year147.4%119.2%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Truxton's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Truxton undervalued based on future cash flows and its price relative to the stock market?

12.98x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Truxton's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Truxton's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Truxton is overvalued based on earnings compared to the US Banks industry average.

Truxton is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Truxton, we can't assess if its growth is good value.


Price Based on Value of Assets

Truxton is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Truxton expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Truxton is high growth as no revenue estimate data is available.

Truxton's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Truxton's revenue growth to the United States of America market average as no estimate data is available.

Truxton's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Truxton's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Truxton will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Truxton performed over the past 5 years?

16.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Truxton's year on year earnings growth rate has been positive over the past 5 years.

Truxton's 1-year earnings growth exceeds its 5-year average (32.5% vs 16%)

Truxton's earnings growth has not exceeded the US Banks industry average in the past year (32.5% vs 33.2%).


Return on Equity

Truxton has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Truxton used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Truxton improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Truxton's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Truxton has an acceptable proportion of non-loan assets held.

Unable to establish if Truxton has a sufficient allowance for bad loans without relevant financial data.

Truxton's liabilities are made up of primarily low risk sources of funding.

Truxton's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Truxton are broadly funded by customer deposits.

Unable to establish if Truxton has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Truxton's current dividend yield, its reliability and sustainability?

2.31%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Truxton before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Truxton's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Truxton's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Whilst dividend payments have been stable, Truxton has been paying a dividend for less than 10 years.

Dividend payments have increased, but Truxton only paid a dividend in the past 6 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.5x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Truxton's salary, the management and board of directors tenure and is there insider trading?

9.8yrs

Average board tenure


CEO

Tom Stumb (57yo)

10.6yrs

Tenure

0

Mr. Thomas S. Stumb, also known as Tom, serves as the Chairman and Chief Executive Officer for Truxton Trust Company (“Truxton Trust”) and has also served as a member of its Board of Directors since the fi ...


Board Age and Tenure

9.8yrs

Average Tenure

60yo

Average Age

The tenure for the Truxton board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Charlie Cook (84yo)

    Chairman Emeritus

    • Tenure: 3.6yrs
  • Andy May (59yo)

    President

    • Tenure: 3.6yrs
  • Tom Stumb (57yo)

    Chairman of the Board & CEO

    • Tenure: 10.6yrs
  • Julie Marr

    MD of Finance & Chief Treasury Officer - Truxton Trust Company

    • Tenure: 0.0yrs
  • J. Colton

    MD of Operations

    • Tenure: 0.0yrs
  • Derrick Jones

    Senior Managing Director of Wealth Management Services & Chief Fiduciary Officer

    • Tenure: 0.0yrs
  • Tom Snyder

    Senior MD

    • Tenure: 0.0yrs

Board Members

  • Deb McDermott (64yo)

    Director

    • Tenure: 8.3yrs
  • Gus Puryear (50yo)

    Director

    • Tenure: 10.6yrs
  • Charlie Cook (84yo)

    Chairman Emeritus

    • Tenure: 3.6yrs
  • Andy May (59yo)

    President

    • Tenure: 3.6yrs
  • Matt King (59yo)

    Lead Outside Director

    • Tenure: 9.1yrs
  • Tom Stumb (57yo)

    Chairman of the Board & CEO

    • Tenure: 10.6yrs
  • Bruce Dobie (61yo)

    Director

    • Tenure: 10.6yrs
  • Decosta Jenkins (63yo)

    Director

    • Tenure: 10.6yrs
  • Stan Ezell (64yo)

    Director

    • Tenure: 10.6yrs
  • Chris Whitson (56yo)

    Director

    • Tenure: 10.6yrs

Company Information

Truxton Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Truxton Corporation
  • Ticker: TRUX
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$119.439m
  • Shares outstanding: 2.76m
  • Website: https://www.truxtontrust.com

Location

  • Truxton Corporation
  • 4525 Harding Road
  • Suite 300
  • Nashville
  • Tennessee
  • 37205
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TRUXOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2009

Biography

Truxton Corporation operates as the holding company for Truxton Trust Company that provides various banking, investment management, and trust administration services to individuals, businesses, and charita ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:01
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.