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TRMK vs HOPE
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
TRMK vs HOPE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.64B | $1.60B |
| Revenue (TTM) | $1.12B | $968M |
| Net Income (TTM) | $224M | $59M |
| Gross Margin | 71.0% | 48.6% |
| Operating Margin | 25.5% | 8.3% |
| Forward P/E | 11.5x | 11.7x |
| Total Debt | $1.12B | $396M |
| Cash & Equiv. | $668M | $560M |
TRMK vs HOPE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Trustmark Corporati… (TRMK) | 100 | 188.1 | +88.1% |
| Hope Bancorp, Inc. (HOPE) | 100 | 131.6 | +31.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TRMK vs HOPE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
TRMK carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.94, yield 2.2%
- Rev growth 34.8%, EPS growth 1.9%
- 127.7% 10Y total return vs HOPE's 18.3%
HOPE is the clearest fit if your priority is quality and efficiency.
- Efficiency ratio 0.4% vs TRMK's 0.5% (lower = leaner)
- Efficiency ratio 0.4% vs TRMK's 0.5%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs HOPE's -3.2% | |
| Value | Lower P/E (11.5x vs 11.7x) | |
| Quality / Margins | Efficiency ratio 0.4% vs TRMK's 0.5% (lower = leaner) | |
| Stability / Safety | Beta 0.94 vs HOPE's 1.10 | |
| Dividends | 2.2% yield, 1-year raise streak, vs HOPE's 4.4% | |
| Momentum (1Y) | +31.7% vs HOPE's +27.9% | |
| Efficiency (ROA) | Efficiency ratio 0.4% vs TRMK's 0.5% |
TRMK vs HOPE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
TRMK leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TRMK and HOPE operate at a comparable scale, with $1.1B and $968M in trailing revenue. TRMK is the more profitable business, keeping 20.0% of every revenue dollar as net income compared to HOPE's 6.0%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $1.1B | $968M |
| EBITDAEarnings before interest/tax | $323M | $84M |
| Net IncomeAfter-tax profit | $224M | $59M |
| Free Cash FlowCash after capex | $230M | $147M |
| Gross MarginGross profit ÷ Revenue | +71.0% | +48.6% |
| Operating MarginEBIT ÷ Revenue | +25.5% | +8.3% |
| Net MarginNet income ÷ Revenue | +20.0% | +6.0% |
| FCF MarginFCF ÷ Revenue | +20.7% | +15.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +5.4% | +35.0% |
Valuation Metrics
Evenly matched — TRMK and HOPE each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, TRMK trades at a 55% valuation discount to HOPE's 27.2x P/E. On an enterprise value basis, TRMK's 9.5x EV/EBITDA is more attractive than HOPE's 17.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $2.6B | $1.6B |
| Enterprise ValueMkt cap + debt − cash | $3.1B | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | 12.10x | 27.15x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.46x | 11.67x |
| PEG RatioP/E ÷ EPS growth rate | 1.50x | — |
| EV / EBITDAEnterprise value multiple | 9.47x | 17.14x |
| Price / SalesMarket cap ÷ Revenue | 2.35x | 1.65x |
| Price / BookPrice ÷ Book value/share | 1.28x | 0.70x |
| Price / FCFMarket cap ÷ FCF | 11.36x | 10.55x |
Profitability & Efficiency
TRMK leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
TRMK delivers a 10.8% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $3 for HOPE. HOPE carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to TRMK's 0.53x. On the Piotroski fundamental quality scale (0–9), TRMK scores 7/9 vs HOPE's 6/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +10.8% | +2.6% |
| ROA (TTM)Return on assets | +1.2% | +0.3% |
| ROICReturn on invested capital | +7.1% | +2.3% |
| ROCEReturn on capital employed | +3.2% | +0.9% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.53x | 0.17x |
| Net DebtTotal debt minus cash | $448M | -$164M |
| Cash & Equiv.Liquid assets | $668M | $560M |
| Total DebtShort + long-term debt | $1.1B | $396M |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 0.17x |
Total Returns (Dividends Reinvested)
TRMK leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TRMK five years ago would be worth $14,841 today (with dividends reinvested), compared to $9,845 for HOPE. Over the past 12 months, TRMK leads with a +31.7% total return vs HOPE's +27.9%. The 3-year compound annual growth rate (CAGR) favors TRMK at 28.2% vs HOPE's 20.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +15.1% | +15.0% |
| 1-Year ReturnPast 12 months | +31.7% | +27.9% |
| 3-Year ReturnCumulative with dividends | +110.9% | +74.3% |
| 5-Year ReturnCumulative with dividends | +48.4% | -1.5% |
| 10-Year ReturnCumulative with dividends | +127.7% | +18.3% |
| CAGR (3Y)Annualised 3-year return | +28.2% | +20.3% |
Risk & Volatility
TRMK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
TRMK is the less volatile stock with a 0.94 beta — it tends to amplify market swings less than HOPE's 1.10 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.94x | 1.10x |
| 52-Week HighHighest price in past year | $45.99 | $13.02 |
| 52-Week LowLowest price in past year | $33.39 | $9.44 |
| % of 52W HighCurrent price vs 52-week peak | +97.3% | +95.9% |
| RSI (14)Momentum oscillator 0–100 | 51.8 | 54.2 |
| Avg Volume (50D)Average daily shares traded | 396K | 901K |
Analyst Outlook
Evenly matched — TRMK and HOPE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TRMK as "Hold" and HOPE as "Hold". Consensus price targets imply 16.1% upside for HOPE (target: $15) vs 1.7% for TRMK (target: $46). For income investors, HOPE offers the higher dividend yield at 4.40% vs TRMK's 2.16%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $45.50 | $14.50 |
| # AnalystsCovering analysts | 9 | 6 |
| Dividend YieldAnnual dividend ÷ price | +2.2% | +4.4% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.97 | $0.55 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.0% | 0.0% |
TRMK leads in 4 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 2 categories are tied.
TRMK vs HOPE: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TRMK or HOPE a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus -3. 2% for Hope Bancorp, Inc. (HOPE). Trustmark Corporation (TRMK) offers the better valuation at 12. 1x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate Trustmark Corporation (TRMK) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TRMK or HOPE?
On trailing P/E, Trustmark Corporation (TRMK) is the cheapest at 12.
1x versus Hope Bancorp, Inc. at 27. 2x. On forward P/E, Trustmark Corporation is actually cheaper at 11. 5x.
03Which is the better long-term investment — TRMK or HOPE?
Over the past 5 years, Trustmark Corporation (TRMK) delivered a total return of +48.
4%, compared to -1. 5% for Hope Bancorp, Inc. (HOPE). Over 10 years, the gap is even starker: TRMK returned +127. 7% versus HOPE's +18. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TRMK or HOPE?
By beta (market sensitivity over 5 years), Trustmark Corporation (TRMK) is the lower-risk stock at 0.
94β versus Hope Bancorp, Inc. 's 1. 10β — meaning HOPE is approximately 16% more volatile than TRMK relative to the S&P 500. On balance sheet safety, Hope Bancorp, Inc. (HOPE) carries a lower debt/equity ratio of 17% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — TRMK or HOPE?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus -3. 2% for Hope Bancorp, Inc. (HOPE). On earnings-per-share growth, the picture is similar: Trustmark Corporation grew EPS 1. 9% year-over-year, compared to -43. 9% for Hope Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TRMK or HOPE?
Trustmark Corporation (TRMK) is the more profitable company, earning 20.
0% net margin versus 6. 0% for Hope Bancorp, Inc. — meaning it keeps 20. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TRMK leads at 25. 5% versus 8. 3% for HOPE. At the gross margin level — before operating expenses — TRMK leads at 71. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TRMK or HOPE more undervalued right now?
On forward earnings alone, Trustmark Corporation (TRMK) trades at 11.
5x forward P/E versus 11. 7x for Hope Bancorp, Inc. — 0. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOPE: 16. 1% to $14. 50.
08Which pays a better dividend — TRMK or HOPE?
All stocks in this comparison pay dividends.
Hope Bancorp, Inc. (HOPE) offers the highest yield at 4. 4%, versus 2. 2% for Trustmark Corporation (TRMK).
09Is TRMK or HOPE better for a retirement portfolio?
For long-horizon retirement investors, Trustmark Corporation (TRMK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
94), 2. 2% yield, +127. 7% 10Y return). Both have compounded well over 10 years (TRMK: +127. 7%, HOPE: +18. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TRMK and HOPE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: TRMK is a small-cap high-growth stock; HOPE is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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