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Truxton
(OTC:TRUX)
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Rating:79Outperform
Price Target:
$112.00
â–²(32.54% Upside)
Action:Reiterated
Date:03/28/26
The score is driven primarily by strong financial performance (rapid revenue growth, solid profitability, and steady operating cash flow) and an attractive valuation (low P/E with a healthy dividend yield). Technicals are supportive with an uptrend across moving averages, though momentum signals are only moderate. Key risk factors tempering the score are margin compression and higher 2025 debt levels.
Positive Factors
Revenue and Profitability
A sharp revenue acceleration (2025 revenue jumped to $92.3M) with sustained net margins near 23% indicates durable demand and scalable economics. This strengthens cash flow potential and funds reinvestment into lending and wealth-management capabilities over the next several quarters.
Negative Factors
Margin Compression
Declining margins versus prior years suggest growth relied on lower-margin business or higher funding costs. Persistent margin compression would force higher revenue growth to sustain earnings, reduce cushion against credit shocks, and limit ability to increase investments or dividends.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability
A sharp revenue acceleration (2025 revenue jumped to $92.3M) with sustained net margins near 23% indicates durable demand and scalable economics. This strengthens cash flow potential and funds reinvestment into lending and wealth-management capabilities over the next several quarters.
Read all positive factors
Truxton (TRUX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$282.21M
Dividend Yield3.49%
Average Volume (3M)793.00
Price to Earnings (P/E)11.7
Beta (1Y)0.28
Revenue Growth20.31%
EPS Growth21.52%
CountryUS
Employees82
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.12
Shares Outstanding2,879,527
10 Day Avg. Volume1,047
30 Day Avg. Volume793
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)2.11
Price to Sales (P/S)2.67
P/FCF Ratio12.08
Enterprise Value/Market Cap1.16
Enterprise Value/Revenue5.46
Enterprise Value/Gross Profit5.45
Enterprise Value/Ebitda13.06
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Truxton Business Overview & Revenue Model
Company Description
Truxton Corporation, functioning through its subsidiary Truxton Trust Company, delivers a comprehensive suite of financial services. These include banking operations, investment portfolio management, and trust administration for private clients, c...
How the Company Makes Money
Truxton primarily makes money through two major sources: (1) net interest income and (2) noninterest income (fees). Net interest income is earned by taking in customer deposits and other funding (liabilities) and deploying those funds into interes...
Truxton Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
72
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.72M | 92.29M | 48.09M | 42.71M | 40.47M | 35.58M |
| Gross Profit | 59.84M | 56.57M | 48.09M | 42.71M | 40.79M | 35.22M |
| EBITDA | 24.96M | 27.31M | 23.41M | 21.90M | 20.80M | 17.75M |
| Net Income | 19.94M | 21.48M | 18.41M | 17.54M | 16.73M | 14.54M |
Balance Sheet | ||||||
| Total Assets | 1.26B | 1.42B | 1.00B | 955.27M | 919.32M | 918.91M |
| Cash, Cash Equivalents and Short-Term Investments | 5.80M | 6.86M | 29.20M | 7.68M | 10.33M | 100.84M |
| Total Debt | 90.96M | 50.22M | 27.28M | 70.38M | 24.39M | 19.81M |
| Total Liabilities | 1.15B | 1.30B | 905.08M | 867.59M | 845.95M | 834.86M |
| Stockholders Equity | 102.85M | 116.64M | 98.71M | 87.68M | 73.38M | 84.05M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 20.42M | 15.33M | 20.08M | 24.28M | 18.35M |
| Operating Cash Flow | 0.00 | 20.56M | 18.78M | 20.21M | 24.37M | 18.40M |
| Investing Cash Flow | 0.00 | -384.80M | -16.56M | -31.78M | -113.65M | -176.40M |
| Financing Cash Flow | 0.00 | 387.36M | 22.52M | 14.30M | -3.71M | 163.39M |
Truxton Technical Analysis
Positive
84.50
Price Trends
96.00
Positive
90.44
Positive
85.56
Positive
Market Momentum
0.24
Positive
54.84
Neutral
64.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TRUX, the sentiment is Positive. The current price of 84.5 is below the 20-day moving average (MA) of 96.75, below the 50-day MA of 96.00, and below the 200-day MA of 85.56, indicating a bullish trend. The MACD of 0.24 indicates Positive momentum. The RSI at 54.84 is Neutral, neither overbought nor oversold. The STOCH value of 64.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TRUX.
Truxton Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $282.21M | 11.70 | 20.00% | 3.49% | 20.31% | 21.52% | |
77 Outperform | $284.36M | 11.21 | 12.70% | 2.38% | 6.69% | 11.73% | |
77 Outperform | $283.91M | 11.68 | 11.99% | 1.99% | 6.08% | -2.72% | |
74 Outperform | $413.26M | 12.40 | 9.04% | 1.57% | 10.89% | 8.85% | |
69 Neutral | $350.14M | 11.57 | 10.43% | 4.21% | 37.90% | 2989.42% | |
69 Neutral | $314.94M | 13.57 | 9.25% | 0.87% | 4.74% | 24.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TRUX
Truxton
98.01
20.98
27.24%
FUNC
First United
44.11
12.13
37.92%
NWFL
Norwood Financial
32.15
7.14
28.55%
OVLY
Oak Valley Bancorp [Ca]
33.75
6.99
26.12%
ISTR
Investar Holding
29.96
9.87
49.09%
FVCB
FVCBankcorp
17.50
5.81
49.69%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.