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Trinity Bank National Association (TYBT) Stock Price & Analysis
TYBT Stock Chart & Stats
- Day’s Range
- $101.00 - $101.00
- 52-Week Range
- $92.00 - $109.99
- Previous Close
- $101.00
- Volume
- 1
- Average Volume (3M)
- 30
- Market Cap
- $110.62M
- Enterprise Value
- $57.08M
- Total Cash (Recent Filing)
- $54.65M
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 15.9
- Beta
- -0.06
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Oct 15, 2026
- Dividend Yield
- 2.06%
Bulls Say, Bears Say
Bulls Say
Multi-year Revenue Growth
Revenue has roughly doubled from 2020 to 2025 with re-acceleration in 2025, indicating durable loan and deposit growth or expanded client activity. Sustained top-line expansion supports long-term earnings power and funds reinvestment and capital build for a regional bank franchise.
High Profitability
Consistently high net margins and strong operating profitability provide a durable earnings buffer versus peers. This margin profile supports healthy internal capital generation, stable ROE, and flexibility to absorb credit volatility while funding growth and shareholder returns over the medium term.
Conservative Balance Sheet
A zero-debt reported position with meaningful equity growth and rising asset base signals low financial leverage and strong capital cushions. For a bank, this conservatism enhances resilience to credit shocks, supports regulatory capital ratios, and underpins lending capacity and depositor confidence.
Bears Say
Margin Sensitivity
The company has exhibited margin compression from peak years, highlighting sensitivity of net interest margins to rate moves and credit conditions. Such structural exposure can reduce earnings predictability during adverse rate cycles or rising credit losses, limiting long-term margin sustainability.
Choppy Cash Flow Coverage
While 2025 FCF improved, inconsistent free cash flow growth and very low operating cash flow coverage in parts of the period indicate potential volatility in internal funding. That reduces confidence in steady capacity to fund loan growth, dividends, or absorb shocks without altering balance-sheet actions.
Limited Scale & Concentration
Small headcount and a sub-$1B asset base limit diversification, operating leverage, and product breadth compared with larger peers. Scale constraints can raise per-unit costs, narrow fee-income opportunities, and increase vulnerability to local economic downturns or depositor concentration over the medium term.
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Trinity Bank National Association Stock Smart Score
Company Description
Trinity Bank National Association
Trinity Bank, N.A., established in 2003 and based in Fort Worth, Texas, provides a wide array of financial products and services for both individuals and businesses throughout the state. Their deposit offerings encompass a variety of personal and commercial accounts, including checking and money market options, alongside mobile deposit functionalities, treasury tax and loan deposit services, and certificates of deposit. For financing needs, Trinity Bank, N.A. extends a comprehensive selection of loans, such as automobile, secured, unsecured, home improvement, land acquisition and interim construction, installment/term, equipment, and real estate loans. They also furnish revolving lines of credit to their clients. Additionally, the bank delivers various other services, including cash management, online and mobile banking, remote check capture, CD ROM document delivery, domestic and international wire transfers, and bill payment solutions. Customers also benefit from access to ATM/Visa check cards, merchant processing cards, and debit cards.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Matt R. Opitz
- Employees
- 33
- Website
- www.trinitybk.com
- Address
- 3500 West Vickery Boulevard, Fort Worth, TX, 76107, US
Trinity Bank National Association (TYBT) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 1 | 6 |
| Technical Analysis | 2 | 1 | 6 |
| Moving Averages | 12 | 0 | 0 |
