Compared to Estimates, Trustmark (TRMK) Q4 Earnings: A Look at Key Metrics

Core Insights - Trustmark (TRMK) reported revenue of $207.06 million for the quarter ended December 2025, marking a year-over-year increase of 3.9% and exceeding the Zacks Consensus Estimate of $207.03 million by 0.01% [1] - The company's EPS for the same period was $0.97, up from $0.92 a year ago, representing a surprise of 6.3% compared to the consensus estimate of $0.91 [1] Financial Performance Metrics - Net Interest Margin was reported at 3.8%, matching the average estimate from three analysts [4] - Efficiency Ratio stood at 62.7%, slightly better than the average estimate of 63.3% from three analysts [4] - Net charge-offs as a percentage of average loans were 0.2%, consistent with the average estimate from two analysts [4] - Total nonaccrual loans held for investment (LHFI) were $84.39 million, slightly below the average estimate of $85.3 million [4] - Total nonperforming assets amounted to $91.35 million, compared to the average estimate of $93.41 million [4] - Average balances of total earning assets were $17.28 billion, slightly above the average estimate of $17.26 billion [4] - Net Interest Income was reported at $162.89 million, below the average estimate of $165.02 million [4] - Total Noninterest Income was $41.24 million, exceeding the average estimate of $40.22 million [4] - Net Interest Income (FTE) was $165.83 million, below the average estimate of $167.04 million from two analysts [4] Stock Performance - Trustmark's shares have returned +2.7% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]