TYBT Stock Overview

Provides personal and business banking products and services in Texas. More details

TYBT fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 32.8% below our estimate of its fair value

Earnings grew by 5.3% over the past year

Pays a reliable dividend of 2.1%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($95M)

My Notes

Capture your thoughts, links and company narrative

Trinity Bank, N.A. Competitors

Kish Bancorp

OTCPK:KISB

US$99.9m

ENB Financial

OTCPK:ENBP

US$98.1m

Prime Meridian Holding

OTCPK:PMHG

US$101.9m

Dimeco

OTCPK:DIMC

US$97.6m

Price History & Performance

Summary of share price highs, lows and changes for Trinity Bank N.A
Historical stock prices
Current Share Price	US$88.50
52 Week High	US$95.00
52 Week Low	US$80.00
Beta	0.033
1 Month Change	6.63%
3 Month Change	1.72%
1 Year Change	-1.67%
3 Year Change	n/a
5 Year Change	36.20%
Change since IPO	704.55%

Recent updates

Shareholder Returns

	TYBT	US Banks	US Market
7D	0%	3.1%	2.8%
1Y	-1.7%	29.1%	24.5%

Return vs Industry: TYBT underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: TYBT underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is TYBT's price volatile compared to industry and market?
TYBT volatility
TYBT Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: TYBT's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine TYBT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2003	28	Matt Opitz	www.trinitybk.com

Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards.

Trinity Bank, N.A. Fundamentals Summary

How do Trinity Bank N.A's earnings and revenue compare to its market cap?
TYBT fundamental statistics
Market cap	US$95.14m
Earnings (TTM)	US$8.42m
Revenue (TTM)	US$17.73m

11.3x

P/E Ratio

1.7x

P/B Ratio

Is TYBT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TYBT income statement (TTM)
Revenue	US$17.73m
Cost of Revenue	US$0
Gross Profit	US$17.73m
Other Expenses	US$9.31m
Earnings	US$8.42m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	7.83
Gross Margin	100.00%
Net Profit Margin	47.48%
Debt/Equity Ratio	0%

How did TYBT perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

12%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 14:02
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Trinity Bank, N.A. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Trinity Bank N.A OTCPK:TYBT Stock Report