NASDAQ$TRMK

Trustmark Corporation · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Trustmark's financial performance reflected solid loan and deposit growth, along with increases in insurance and wealth management businesses.

Trustmark Corporation reported a net income of $52.0 million, with diluted earnings per share of $0.82. The performance was driven by solid loan and deposit growth and increases in insurance and wealth management businesses. Mortgage banking revenue remained strong, and the economic outlook resulted in negative provisioning and expense for credit losses.

  • Originated 4,774 loans totaling $301.5 million from the SBA’s Paycheck Protection Program (PPP).
  • Mortgage loan production totaled $766.6 million, a 67.7% increase year-over-year.
  • Provision for credit losses totaled a negative $10.5 million due to improved credit loss expectations.
  • Loans held for investment (HFI) totaled $10.0 billion, up 4.3% year-over-year and deposits totaled $14.4 billion, up 24.3% year-over-year.

Headline financials

Total Revenue

$163M

Previous: $169M-3.7%
EPS (adj)

$0.82

Previous: $0.40+105.0%
Total Capital Ratio

14.1%

Previous: 12.8%+10.1%
CET1 Ratio

11.7%

Previous: 11.3%+3.2%
Capital Expenditures

-$8.15M

Previous: -$4.15M-96.2%
Free Cash Flow

$43.8M

Previous: $18.1M+142.5%
Net Income

$52M

Previous: $22.2M+133.9%
Operating Income

$138M

Previous: $125M+10.1%
Gross Profit

$152M

Previous: $149M+2.5%
Cash & Equivalents

$1.77B

Previous: $404M+338.9%
Total Assets

$16.9B

Previous: $14B+20.4%
Stock-Based Comp

$2.18M

Previous: $1.39M+56.5%

Revenue & EPS history

Trustmark · Revenue · Quarterly

$163M

Q1 2021-3.7%vs Q1 2020
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Trustmark · $24.1M total across 3 segments · Q3 2020

  • Bank Card & Fees
    $8.84M+5.9%
  • Wealth Management
    $7.68M-0.2%
  • Service Charges
    $7.58M-31.5%

Forward guidance

Trustmark will focus on efficiency, growth, and innovation while building upon risk management processes, corporate culture, and core values. The company aims to optimize delivery channels and introduce technology to enhance growth and efficiency.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

-0.2%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+1.5%

Avg return

30 days after

55%

38 / 69 earnings

Positive

+9.8%

Q1 2024

Best reaction

-14.1%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.2%-2.6%-3.0%
Q4 2025+2.3%+4.5%+3.5%
Q3 2025-2.0%-3.4%+0.5%
Q2 2025-1.2%-1.6%+2.7%
Q1 2025+0.2%-0.4%+2.4%
Q4 2024+2.4%+1.1%+0.2%
Q3 2024+2.0%+0.9%+13.2%
Q2 2024-1.5%+3.9%-7.4%
Q1 2024+9.8%+12.3%+10.6%
Q4 2023-1.6%+0.4%-4.4%
Q3 2023-6.6%-5.3%+10.8%
Q2 2023+6.5%+8.5%-1.9%
Q1 2023+0.5%+0.5%-9.7%
Q4 2022-14.1%-13.8%-9.4%
Q3 2022+0.5%+5.8%+6.3%
Q2 2022+3.8%+5.9%+7.6%
Q1 2022-2.4%-4.7%-1.6%
Q4 2021-3.2%-4.2%-7.9%
Q3 2021-8.5%-6.2%-2.4%
Q2 2021-1.9%-2.0%+5.0%
Q1 2021-0.6%-2.0%+1.8%
Q4 2020-7.1%-10.2%+2.1%
Q3 2020-5.4%-3.7%+8.9%
Q2 2020+5.3%+0.0%+6.9%
Q1 2020+7.3%+0.3%-3.8%
Q4 2019-2.3%-3.7%-14.7%
Q3 2019-2.0%-1.8%-2.1%
Q2 2019+8.7%+10.6%+5.4%
Q1 2019+3.8%+5.5%-2.9%
Q4 2018+1.6%+4.1%+18.2%
Q3 2018-5.8%-3.7%+1.8%
Q2 2018+0.0%+0.6%+2.3%
Q1 2018+1.6%+1.4%+3.5%
Q4 2017-1.5%-3.6%-4.6%
Q3 2017+0.3%+1.1%-1.3%
Q2 2017+0.1%-1.1%-6.6%
Q1 2017+3.0%+1.2%-4.3%
Q4 2016+2.5%+2.1%+3.2%
Q3 2016+0.0%-1.3%+23.4%
Q2 2016+1.9%+2.2%+9.5%
Q1 2016+0.6%
Q4 2015+4.6%
Q3 2015+2.2%
Q2 2015+0.0%
Q1 2015+2.0%
Q4 2014-7.3%
Q3 2014+2.5%
Q2 2014+1.3%
Q1 2014-1.4%
Q4 2013-3.9%
Q3 2013+2.3%
Q2 2013-0.9%
Q1 2013+5.9%
Q4 2012-3.3%
Q3 2012-0.4%
Q2 2012-2.3%
Q1 2012+1.0%
Q4 2011+0.3%
Q3 2011-4.3%
Q2 2011+0.3%
Q1 2010-0.0%
Q1 2011+1.7%
Q4 2009+1.0%
Q4 2010+1.0%
Q4 2008+1.0%
Q3 2009+0.3%
Q3 2010+0.3%
Q2 2009-6.2%
Q2 2010-6.2%

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