Trinity Bank National Association (TYBT) AI Stock Analysis

4 Followers

Trinity Bank National Association

(Other OTC:TYBT)

Select Model

Rating:76Outperform

Price Target:$113.00▲(11.05% Upside)

Action:reiterated

Date:11/06/26

The overall score of 76 reflects a fundamentally sound regional bank with a pristine, debt-free balance sheet and high-quality cash flows. The primary strength is its financial performance, which provides a stable foundation. Technicals confirm a positive trend, though momentum indicators warrant caution. Valuation is fair, contributing modestly to the score.

Positive Factors

Multi-year revenue growthThe sustained increase in revenue across several years indicates expanding business activity rather than a single-period improvement. Re-acceleration in 2025 strengthens the near-term growth profile and can support continued investment in banking products, digital channels, and customer acquisition.

Negative Factors

Margin compressionAlthough profitability remains attractive, lower margins than in 2021–2022 indicate that the company may not sustain its earlier peak earnings efficiency. Continued compression would reduce the amount of revenue converted into profit and could limit capital generation available for expansion or shareholder returns.

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

Market Cap: $110.96M
Dividend Yield: 2.04%
Average Volume (3M): 422
Price to Earnings (P/E): 16.0
Beta (1Y): -0.05
Revenue Growth: 5.43%
EPS Growth: 7.18%
Country: US
Employees: 33
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 com...

Trinity Bank National Association Financial Statement Overview

Summary

The bank's financial health is strong, anchored by a debt-free balance sheet and robust cash flow generation where operating cash flow consistently exceeds net income. Profitability remains solid with a 13.7% ROE, though some pressure is evident as net profit margins have narrowed from over 40% to around 30%.

Income Statement

75Positive

Balance Sheet

90Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	30.89M	30.89M	29.15M	24.61M	17.50M	15.22M
Gross Profit	21.36M	21.36M	18.18M	15.99M	15.45M	14.64M
EBITDA	10.95M	10.95M	10.15M	9.43M	8.83M	7.11M
Net Income	9.15M	9.15M	8.46M	8.02M	7.27M	5.82M
Balance Sheet
Total Assets	553.38M	553.38M	522.23M	485.89M	445.28M	431.82M
Cash, Cash Equivalents and Short-Term Investments	54.65M	54.65M	73.40M	45.67M	25.56M	43.75M
Total Debt	0	0	0	0	0	0
Total Liabilities	486.77M	486.77M	467.75M	434.87M	402.23M	387.29M
Stockholders Equity	66.61M	66.61M	54.48M	51.02M	43.05M	44.53M
Cash Flow
Free Cash Flow	0	10.31M	7.20M	8.60M	9.32M	7.79M
Operating Cash Flow	0	10.65M	9.28M	9.07M	9.72M	7.88M
Investing Cash Flow	0	-45.73M	-12.08M	-18.44M	-40.33M	-41.78M
Financing Cash Flow	0	16.33M	30.52M	29.48M	12.67M	48.68M

Trinity Bank National Association Technical Analysis

Technical Analysis SentimentPositive

Last Price101.75

Price Trends

50DMA99.83Positive

100DMA97.86Positive

200DMA96.37Positive

Market Momentum

MACD0.52Negative

RSI70.81Negative

STOCH86.00Negative

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 101.75 is above the 20-day moving average (MA) of 100.48, above the 50-day MA of 99.83, and above the 200-day MA of 96.37, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 70.81 is Negative, neither overbought nor oversold. The STOCH value of 86.00 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

TYBT against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	79Outperform	$145.26M	16.65	5.85%	1.90%	4.31%	24.65%
TYBT	76Outperform	$111.45M	15.96	11.02%	2.04%	5.43%	7.18%
AUBN	73Outperform	$90.20M	10.24	9.42%	4.17%	4.68%	21.56%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	65Neutral	$111.96M	17.84	5.18%	3.07%	0.19%	13.85%
PBHC	58Neutral	$104.04M	-41.47	0.08%	2.43%	-6.61%	-78.36%
RVSB	49Neutral	$128.30M	-44.47	-2.02%	1.24%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

TYBT and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TYBT	Trinity Bank National Association	101.75	6.81	7.17%
AUBN	Auburn National Bancorporation	25.93	1.78	7.38%
LSBK	Lake Shore Bancorp	18.99	5.05	36.28%
PBHC	Pathfinder	16.70	2.24	15.49%
PROV	Provident Financial Holdings	18.24	3.23	21.55%
RVSB	Riverview	6.47	1.24	23.66%

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.

Date of analysis: Nov 04, 2026

Trinity Bank National Association AI Stock Analysis