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FFIN vs TRMK
Which Stock Would AI Choose? First Financial Bankshares, Inc. (FFIN) vs. Trustmark Corporation (TRMK) Stock Comparison
Key Takeaways
- Both FFIN and TRMK are regional banks offering dividend yields around 2.3%, appealing to income-focused investors.
- TRMK has outperformed year-to-date with 16.7% gains compared to FFIN's 10%.
- FFIN demonstrates superior profitability with a 14.6% return on equity (ROE, a measure of how effectively a company uses shareholders' equity to generate profits) versus TRMK's 11%.
- TRMK trades at a lower price-to-earnings (P/E, a valuation ratio comparing stock price to earnings per share) ratio of 12.2 compared to FFIN's 17.7, indicating relative value.
- Recent FFIN quarterly earnings showed net income growth of 16.6% year-over-year, boosting sentiment.
- Tickeron's AI currently favors TRMK for its momentum and valuation edge in the regional banking sector.
Introduction
This stock comparison examines FFIN and TRMK, two regional banks navigating interest rate dynamics and economic shifts. Investors seeking stable dividends, growth in net interest income (NII, revenue from interest-bearing assets minus interest expenses), or exposure to U.S. regional banking may find value here. With both stocks reflecting broader sector trends like deposit growth and loan quality, this analysis highlights relative performance, financial health, and market positioning to aid informed decision-making in today's environment.
FFIN Overview and Recent Performance
First Financial Bankshares, Inc. (FFIN) is a Texas-headquartered bank holding company operating through subsidiaries offering commercial banking, trust, and brokerage services across the U.S., with a focus on checking, savings, loans, and wealth management. In recent market activity, FFIN shares have shown resilience, gaining over 10% in the past month amid strong first-quarter 2026 earnings. Net income rose 16.6% year-over-year to $71.54 million, with EPS at $0.50 and an improved efficiency ratio of 45% (operating expenses as a percentage of revenue). Factors like solid NII and a renewed stock repurchase plan have supported positive sentiment, though shares remain mid-range in their 52-week spectrum ($28-$39), reflecting cautious optimism in regional banking recovery.
TRMK Overview and Recent Performance
Trustmark Corporation (TRMK) serves as the holding company for Trustmark National Bank, delivering banking, mortgage, and wealth management solutions from its Jackson, Mississippi base, including deposits, commercial loans, and trust services nationwide. Over recent weeks, TRMK has exhibited steady upward momentum, approaching its 52-week high near $46, driven by year-to-date gains outpacing peers. Trading around $45 with a market cap of $2.66 billion, the stock benefits from robust revenue of $787 million (TTM) and consistent dividend payouts. Sentiment remains supported by lower volatility (beta 0.64) and operational stability in general banking and wealth segments, positioning it well amid sector tailwinds like stabilizing deposits.
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Head-to-Head Comparison
Both FFIN ($4.68B market cap) and TRMK ($2.66B) operate in the regional banks space, emphasizing commercial loans and deposits, but FFIN leans toward Texas commercial and trust services while TRMK offers broader wealth management and mortgage banking. Growth drivers differ: FFIN excels in ROE and margins (42%), signaling efficiency, versus TRMK's higher revenue base. Recent momentum favors TRMK with superior YTD returns and proximity to highs, while FFIN shows earnings strength. Risk profiles highlight TRMK's lower beta for stability, against FFIN's higher valuation. Market sentiment rates both as holds, with trade-offs in value versus profitability.
Tickeron AI Verdict
Tickeron's AI currently favors TRMK due to its consistent upward trend, attractive P/E valuation, stronger YTD momentum, and positioning near 52-week highs amid positive regional bank outlooks. While FFIN offers superior profitability, TRMK's relative stability and growth potential provide a probabilistic edge in the near term.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FFIN is a StrongBuy and TRMK is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FFIN’s FA Score shows that 0 FA rating(s) are green whileTRMK’s FA Score has 0 green FA rating(s).
- FFIN’s FA Score: 0 green, 5 red.
- TRMK’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FFIN’s TA Score shows that 4 TA indicator(s) are bullish while TRMK’s TA Score has 5 bullish TA indicator(s).
- FFIN’s TA Score: 4 bullish, 4 bearish.
- TRMK’s TA Score: 5 bullish, 4 bearish.
Price Growth
FFIN (@Regional Banks) experienced а +4.29% price change this week, while TRMK (@Regional Banks) price change was +3.99% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
FFIN is expected to report earnings on Jul 16, 2026.
TRMK is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Regional Banks (+3.72% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FFIN | TRMK | FFIN / TRMK | |
| Capitalization | 4.82B | 2.69B | 179% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 14.137 | 19.210 | 74% |
| P/E Ratio | 18.29 | 12.18 | 150% |
| Revenue | 635M | 693M | 92% |
| Total Cash | 265M | N/A | - |
| Total Debt | 21.1M | 563M | 4% |
FFIN | TRMK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 34 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 88 Overvalued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 100 | 48 | |
SMR RATING 1..100 | 34 | 34 | |
PRICE GROWTH RATING 1..100 | 48 | 45 | |
P/E GROWTH RATING 1..100 | 72 | 97 | |
SEASONALITY SCORE 1..100 | 75 | n/a |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TRMK's Valuation (50) in the Regional Banks industry is somewhat better than the same rating for FFIN (88). This means that TRMK’s stock grew somewhat faster than FFIN’s over the last 12 months.
TRMK's Profit vs Risk Rating (48) in the Regional Banks industry is somewhat better than the same rating for FFIN (100). This means that TRMK’s stock grew somewhat faster than FFIN’s over the last 12 months.
TRMK's SMR Rating (34) in the Regional Banks industry is in the same range as FFIN (34). This means that TRMK’s stock grew similarly to FFIN’s over the last 12 months.
TRMK's Price Growth Rating (45) in the Regional Banks industry is in the same range as FFIN (48). This means that TRMK’s stock grew similarly to FFIN’s over the last 12 months.
FFIN's P/E Growth Rating (72) in the Regional Banks industry is in the same range as TRMK (97). This means that FFIN’s stock grew similarly to TRMK’s over the last 12 months.
| FFIN | TRMK | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 79% | N/A |
| Stochastic ODDS (%) | 4 days ago 64% | 4 days ago 59% |
| Momentum ODDS (%) | 4 days ago 56% | 4 days ago 60% |
| MACD ODDS (%) | 4 days ago 58% | 4 days ago 66% |
| TrendWeek ODDS (%) | 4 days ago 57% | 4 days ago 56% |
| TrendMonth ODDS (%) | 4 days ago 56% | 4 days ago 54% |
| Advances ODDS (%) | 4 days ago 58% | 4 days ago 54% |
| Declines ODDS (%) | 15 days ago 65% | 19 days ago 57% |
| BollingerBands ODDS (%) | 4 days ago 71% | 4 days ago 62% |
| Aroon ODDS (%) | N/A | 4 days ago 64% |
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FFIN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FFIN has been closely correlated with UBSI. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if FFIN jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To FFIN | 1D Price Change % | ||
|---|---|---|---|---|
| FFIN | 100% | +1.72% | ||
| UBSI - FFIN | 85% Closely correlated | +2.35% | ||
| UCB - FFIN | 85% Closely correlated | +1.05% | ||
| SFNC - FFIN | 84% Closely correlated | +1.44% | ||
| HWC - FFIN | 84% Closely correlated | +1.36% | ||
| TRMK - FFIN | 83% Closely correlated | +1.10% | ||
More | ||||
TRMK and
Correlation & Price change
A.I.dvisor indicates that over the last year, TRMK has been closely correlated with UBSI. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if TRMK jumps, then UBSI could also see price increases.
| Ticker / NAME | Correlation To TRMK | 1D Price Change % | ||
|---|---|---|---|---|
| TRMK | 100% | +1.10% | ||
| UBSI - TRMK | 89% Closely correlated | +2.35% | ||
| UCB - TRMK | 87% Closely correlated | +1.05% | ||
| PFS - TRMK | 87% Closely correlated | +1.16% | ||
| CATY - TRMK | 86% Closely correlated | +1.79% | ||
| BUSE - TRMK | 85% Closely correlated | +1.11% | ||
More | ||||