Want to see TYBT full AI Analyst Report?
Top Page
Trinity Bank National Association
(OTC:TYBT)
Select Model
Select Model
Rating:78Outperform
Price Target:
$110.00
â–²(13.85% Upside)
Action:Reiterated
Date:08/04/26
TYBT scores well primarily due to strong financial performance (solid growth, high profitability, and a conservative balance sheet) and supportive valuation (low P/E with a moderate dividend yield). The score is moderated by largely neutral technicals, with the stock trading close to its moving averages and only modest momentum signals.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Trinity Bank National Association (TYBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$108.43M
Dividend Yield2.05%
Average Volume (3M)46.00
Price to Earnings (P/E)11.8
Beta (1Y)-0.05
Revenue Growth5.43%
EPS Growth7.18%
CountryUS
Employees33
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.39
Shares Outstanding1,095,297
10 Day Avg. Volume0
30 Day Avg. Volume46
Financial Highlights & Ratios
PEG Ratio1.49
Price to Book (P/B)1.52
Price to Sales (P/S)3.28
P/FCF Ratio9.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Trinity Bank National Association Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Trinity Bank, N.A. primarily makes money through traditional banking activities. The core revenue stream is net interest income: the bank earns interest and fees on loans and other interest-earning assets (such as commercial and consumer loans and...
Trinity Bank National Association Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 30.89M | 29.15M | 24.61M | 17.50M | 15.22M |
| Gross Profit | 21.36M | 18.18M | 15.99M | 15.45M | 14.64M |
| EBITDA | 10.95M | 10.15M | 9.43M | 8.83M | 7.11M |
| Net Income | 9.15M | 8.46M | 8.02M | 7.27M | 5.82M |
Balance Sheet | |||||
| Total Assets | 553.38M | 522.23M | 485.89M | 445.28M | 431.82M |
| Cash, Cash Equivalents and Short-Term Investments | 54.65M | 73.40M | 45.67M | 25.56M | 43.75M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 486.77M | 467.75M | 434.87M | 402.23M | 387.29M |
| Stockholders Equity | 66.61M | 54.48M | 51.02M | 43.05M | 44.53M |
Cash Flow | |||||
| Free Cash Flow | 10.31M | 7.20M | 8.60M | 9.32M | 7.79M |
| Operating Cash Flow | 10.65M | 9.28M | 9.07M | 9.72M | 7.88M |
| Investing Cash Flow | -45.73M | -12.08M | -18.44M | -40.33M | -41.78M |
| Financing Cash Flow | 16.33M | 30.52M | 29.48M | 12.67M | 48.68M |
Trinity Bank National Association Technical Analysis
Positive
96.62
Price Trends
96.77
Positive
96.49
Positive
95.93
Positive
Market Momentum
0.52
Negative
86.10
Negative
82.15
Negative
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 96.62 is below the 20-day moving average (MA) of 97.25, below the 50-day MA of 96.77, and above the 200-day MA of 95.93, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 86.10 is Negative, neither overbought nor oversold. The STOCH value of 82.15 is Negative, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $108.43M | 11.80 | 14.92% | 2.10% | 5.43% | 7.18% | |
77 Outperform | $92.72M | 10.92 | 9.10% | 4.06% | 4.58% | 26.05% | |
76 Outperform | $135.09M | 15.33 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.69M | 17.79 | 5.23% | 3.25% | -0.79% | 11.59% | |
56 Neutral | $103.60M | -25.79 | -1.08% | 2.50% | -7.07% | -307.72% | |
54 Neutral | $103.06M | -27.09 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
TYBT
Trinity Bank National Association
99.25
11.19
12.70%
AUBN
Auburn National Bancorporation
26.32
1.59
6.41%
LSBK
Lake Shore Bancorp
17.17
4.04
30.77%
PBHC
Pathfinder Bancorp
16.32
1.80
12.40%
PROV
Provident Financial Holdings
18.32
3.33
22.18%
RVSB
Riverview Bancorp
5.18
0.20
3.93%
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.