Trinity Bank National Association (TYBT) AI Stock Analysis

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Trinity Bank National Association

(OTC:TYBT)

80Outperform

Trinity Bank National Association's strong financial performance, with robust balance sheet and consistent income growth, significantly contribute to its high score. Technical analysis indicators suggest stability with a slight upward trend. The valuation is reasonable, offering a fair price relative to earnings and a modest dividend yield. These factors combine to give the stock an overall solid score, indicating it is a stable investment with potential for growth.

Trinity Bank National Association (TYBT) vs. S&P 500 (SPY)

Market Cap

$96.93M

Dividend Yield2.15%

Average Volume (3M)6.00

Price to Earnings (P/E)11.4

Beta (1Y)-0.11

Revenue Growth18.24%

EPS Growth6.40%

CountryUS

Employees28

SectorFinancial

Sector Strength87

IndustryBanks - Regional

Share Statistics

EPS (TTM)1.94

Shares Outstanding1,111,000

10 Day Avg. Volume0

30 Day Avg. Volume6

Financial Highlights & Ratios

PEG Ratio16.99

Price to Book (P/B)1.69

Price to Sales (P/S)0.00

P/FCF Ratio0.00

Enterprise Value/Market Cap0.97

Enterprise Value/Revenue1.14

Enterprise Value/Gross Profit4.14

Enterprise Value/Ebitda11.25

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

Trinity Bank National Association Business Overview & Revenue Model

Company DescriptionTrinity Bank National Association (TYBT) is a financial institution offering a range of banking products and services. The bank primarily operates in the commercial and retail banking sectors, providing services that include deposit accounts, personal and commercial loans, and other financial services tailored to meet the needs of individuals, businesses, and organizations.

How the Company Makes MoneyTrinity Bank National Association generates revenue through interest income from loans extended to customers and businesses, which forms a significant portion of its earnings. The bank also earns money from fees associated with account maintenance, transaction processing, and other banking services. Additionally, TYBT may benefit from investment income generated from securities and other financial instruments. Strategic partnerships with financial service providers and technology companies can enhance its service offerings and contribute to revenue growth.

Trinity Bank National Association Financial Statement Overview

Summary

Trinity Bank National Association demonstrates robust financial health across all statements. The income statement reflects consistent revenue and profit growth, the balance sheet is extremely strong with no debt and high equity, and cash flows are well-managed, supporting ongoing operational needs. The bank is well-positioned for sustained growth and stability, with minimal financial risk.

Income Statement

Very Positive

Trinity Bank National Association shows a strong income statement with consistent revenue growth over the years, a net profit margin of 4.99% in 2023, and a robust EBIT margin of 6.87%. The revenue growth rate from 2022 to 2023 is 3.88%, indicating stability and upward momentum. The bank's ability to maintain high profitability margins is commendable, highlighting efficient cost management.

Balance Sheet

Very Positive

The balance sheet is solid, with no debt and a healthy equity ratio of 10.50% as of 2023. The return on equity is remarkably strong at 15.71%, demonstrating effective use of shareholders' funds. The substantial cash reserves further underline financial stability, providing a buffer against economic fluctuations.

Cash Flow

Very Positive

Cash flow analysis reveals strong operational performance with a free cash flow of 8.60 million in 2023, despite a slight decrease from the previous year. The operating cash flow to net income ratio is 1.13, indicating effective cash generation from operations. The free cash flow to net income ratio is 1.07, showcasing sufficient cash flow relative to profits, though there is room for improvement in cash flow growth.

TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Breakdown
Income Statement		Total Revenue
22.82M	18.38M	16.05M	15.45M	14.64M	11.69M
	Gross Profit
22.82M	18.38M	24.80M	15.45M	14.64M	11.69M
	EBIT
13.63M	10.17M	11.03M	10.59M	6.85M	5.39M
	EBITDA
4.77M	9.77M	9.43M	8.83M	7.11M	5.70M
	Net Income Common Stockholders
8.29M	8.46M	8.02M	7.27M	5.82M	4.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	0.00	45.67M	25.56M	43.75M	28.97M
	Total Assets
495.28M	522.23M	485.92M	445.28M	431.82M	378.16M
	Total Debt
0.00	0.00	0.00	0.00	0.00	0.00
	Net Debt
0.00	0.00	-45.67M	-25.56M	-43.75M	-28.97M
	Total Liabilities
444.38M	467.75M	434.90M	402.38M	387.80M	337.69M
	Stockholders Equity
-3.88M	54.48M	51.02M	43.05M	44.53M	41.02M
Cash Flow		Free Cash Flow
0.00	7.20M	8.60M	9.32M	7.79M	5.49M
	Operating Cash Flow
0.00	9.28M	9.07M	9.72M	7.88M	5.58M
	Investing Cash Flow
0.00	-12.08M	-18.44M	-40.33M	-41.78M	-107.92M
	Financing Cash Flow
0.00	30.52M	29.48M	12.67M	48.68M	63.08M

Trinity Bank National Association Technical Analysis

Technical Analysis Sentiment

Positive

Last Price87.25

Price Trends

50DMA

85.91

Positive

100DMA

86.26

Positive

200DMA

84.63

Positive

Market Momentum

MACD

0.43

Positive

RSI

63.03

Neutral

STOCH

54.76

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TYBT, the sentiment is Positive. The current price of 87.25 is above the 20-day moving average (MA) of 86.86, above the 50-day MA of 85.91, and above the 200-day MA of 84.63, indicating a bullish trend. The MACD of 0.43 indicates Positive momentum. The RSI at 63.03 is Neutral, neither overbought nor oversold. The STOCH value of 54.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TYBT.

Trinity Bank National Association Peers Comparison

Overall Rating

UnderperformOutperform

Sector (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TYBT	80 Outperform	$96.93M	11.44	32.95%	2.15%	18.24%	6.40%
PROV	70 Outperform	$100.16M	15.96	5.09%	3.72%	5.62%	-5.99%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.61%
SRBK	63 Neutral	$110.64M	858.55	-0.05%	0.38%	―	―
PBHC	54 Neutral	$92.06M	31.14	4.24%	2.67%	11.12%	―
FNWB	53 Neutral	$93.08M	―	-3.46%	2.84%	10.31%	-557.61%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%

* Financial Sector Average

Performance Comparison

TYBT

Trinity Bank National Association

87.25

-0.31

-0.35%

PBHC

Pathfinder Bancorp

14.98

2.94

24.42%

PROV

Provident Financial Holdings

15.05

2.85

23.36%

FNWB

First Northwest Bancorp

9.86

-0.46

-4.46%

WMPN

William Penn Bancorp

12.32

0.35

2.92%

SRBK

SR Bancorp, Inc.

13.05

3.91

42.78%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.