Software - Application
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Side-by-side financial analysisStock Comparison
DJCO vs TRMK
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
DJCO vs TRMK — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Software - Application | Banks - Regional |
| Market Cap | $766M | $2.66B |
| Revenue (TTM) | $94M | $1.16B |
| Net Income (TTM) | $14M | $224M |
| Gross Margin | 38.6% | 64.7% |
| Operating Margin | 12.0% | 24.2% |
| Forward P/E | 6.8x | 11.6x |
| Total Debt | $23M | $1.12B |
| Cash & Equiv. | $21M | $668M |
DJCO vs TRMK — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 100 | 206.0 | +106.0% |
| Trustmark Corporati… (TRMK) | 100 | 184.2 | +84.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: DJCO vs TRMK
Each card shows where this stock fits in a portfolio — not just who wins on paper.
DJCO is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 4 yrs, beta 1.16
- 171.7% 10Y total return vs TRMK's 126.8%
- Lower volatility, beta 1.16, Low D/E 5.9%, current ratio 13.89x
TRMK carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 34.8%, EPS growth 1.9%
- Beta 0.82, yield 2.1%, current ratio 0.73x
- 34.8% NII/revenue growth vs DJCO's 25.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs DJCO's 25.4% | |
| Value | Lower P/E (6.8x vs 11.6x), PEG 0.07 vs 1.43 | |
| Quality / Margins | 19.3% margin vs DJCO's 14.8% | |
| Stability / Safety | Beta 0.82 vs DJCO's 1.16 | |
| Dividends | 2.1% yield; 1-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | +40.2% vs TRMK's +36.2% | |
| Efficiency (ROA) | 2.7% ROA vs TRMK's 1.2%, ROIC 2.5% vs 7.1% |
DJCO vs TRMK — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
DJCO vs TRMK — 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 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TRMK is the larger business by revenue, generating $1.2B annually — 12.3x DJCO's $94M. Profitability is closely matched — net margins range from 19.3% (TRMK) to 14.8% (DJCO).
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $94M | $1.2B |
| EBITDAEarnings before interest/tax | $12M | $323M |
| Net IncomeAfter-tax profit | $14M | $224M |
| Free Cash FlowCash after capex | $14M | $230M |
| Gross MarginGross profit ÷ Revenue | +38.6% | +64.7% |
| Operating MarginEBIT ÷ Revenue | +12.0% | +24.2% |
| Net MarginNet income ÷ Revenue | +14.8% | +19.3% |
| FCF MarginFCF ÷ Revenue | +14.7% | +19.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +25.0% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -177.5% | +5.4% |
Valuation Metrics
TRMK leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 6.8x trailing earnings, DJCO trades at a 44% valuation discount to TRMK's 12.2x P/E. Adjusting for growth (PEG ratio), DJCO offers better value at 0.07x vs TRMK's 1.51x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||
|---|---|---|
| Market CapShares × price | $766M | $2.7B |
| Enterprise ValueMkt cap + debt − cash | $769M | $3.1B |
| Trailing P/EPrice ÷ TTM EPS | 6.83x | 12.21x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 11.57x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 1.51x |
| EV / EBITDAEnterprise value multiple | 66.51x | 9.54x |
| Price / SalesMarket cap ÷ Revenue | 8.74x | 2.37x |
| Price / BookPrice ÷ Book value/share | 1.96x | 1.29x |
| Price / FCFMarket cap ÷ FCF | 57.52x | 11.46x |
Profitability & Efficiency
DJCO leads this category, winning 5 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 $4 for DJCO. DJCO carries lower financial leverage with a 0.06x 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 DJCO's 6/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +3.8% | +10.8% |
| ROA (TTM)Return on assets | +2.7% | +1.2% |
| ROICReturn on invested capital | +2.5% | +7.1% |
| ROCEReturn on capital employed | +2.6% | +3.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.06x | 0.53x |
| Net DebtTotal debt minus cash | $2M | $448M |
| Cash & Equiv.Liquid assets | $21M | $668M |
| Total DebtShort + long-term debt | $23M | $1.1B |
| Interest CoverageEBIT ÷ Interest expense | 114.24x | 0.75x |
Total Returns (Dividends Reinvested)
Evenly matched — DJCO and TRMK each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in DJCO five years ago would be worth $16,154 today (with dividends reinvested), compared to $15,221 for TRMK. Over the past 12 months, DJCO leads with a +40.2% total return vs TRMK's +36.2%. The 3-year compound annual growth rate (CAGR) favors TRMK at 28.9% vs DJCO's 24.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +16.8% |
| 1-Year ReturnPast 12 months | +40.2% | +36.2% |
| 3-Year ReturnCumulative with dividends | +92.0% | +114.0% |
| 5-Year ReturnCumulative with dividends | +61.5% | +52.2% |
| 10-Year ReturnCumulative with dividends | +171.7% | +126.8% |
| CAGR (3Y)Annualised 3-year return | +24.3% | +28.9% |
Risk & Volatility
TRMK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
TRMK is the less volatile stock with a 0.82 beta — it tends to amplify market swings less than DJCO's 1.16 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TRMK currently trades 97.5% from its 52-week high vs DJCO's 82.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.16x | 0.82x |
| 52-Week HighHighest price in past year | $674.75 | $46.34 |
| 52-Week LowLowest price in past year | $348.63 | $33.39 |
| % of 52W HighCurrent price vs 52-week peak | +82.4% | +97.5% |
| RSI (14)Momentum oscillator 0–100 | 67.9 | 63.3 |
| Avg Volume (50D)Average daily shares traded | 43K | 330K |
Analyst Outlook
DJCO leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
TRMK is the only dividend payer here at 2.14% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $45.50 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | 4 | 1 |
| Dividend / ShareAnnual DPS | — | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.0% |
TRMK leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). DJCO leads in 2 (Profitability & Efficiency, Analyst Outlook). 1 tied.
DJCO vs TRMK: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is DJCO or TRMK a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus 25. 4% for Daily Journal Corporation (DJCO). Daily Journal Corporation (DJCO) offers the better valuation at 6. 8x trailing P/E, 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 — DJCO or TRMK?
On trailing P/E, Daily Journal Corporation (DJCO) is the cheapest at 6.
8x versus Trustmark Corporation at 12. 2x.
03Which is the better long-term investment — DJCO or TRMK?
Over the past 5 years, Daily Journal Corporation (DJCO) delivered a total return of +61.
5%, compared to +52. 2% for Trustmark Corporation (TRMK). Over 10 years, the gap is even starker: DJCO returned +171. 7% versus TRMK's +126. 8%. 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 — DJCO or TRMK?
By beta (market sensitivity over 5 years), Trustmark Corporation (TRMK) is the lower-risk stock at 0.
82β versus Daily Journal Corporation's 1. 16β — meaning DJCO is approximately 41% more volatile than TRMK relative to the S&P 500. On balance sheet safety, Daily Journal Corporation (DJCO) carries a lower debt/equity ratio of 6% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — DJCO or TRMK?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus 25. 4% for Daily Journal Corporation (DJCO). On earnings-per-share growth, the picture is similar: Daily Journal Corporation grew EPS 43. 5% year-over-year, compared to 1. 9% for Trustmark Corporation. 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 — DJCO or TRMK?
Daily Journal Corporation (DJCO) is the more profitable company, earning 127.
9% net margin versus 20. 0% for Trustmark Corporation — meaning it keeps 127. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TRMK leads at 25. 5% versus 12. 9% for DJCO. 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.
07Which pays a better dividend — DJCO or TRMK?
In this comparison, TRMK (2.
1% yield) pays a dividend. DJCO does not pay a meaningful dividend and should not be held primarily for income.
08Is DJCO or TRMK 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.
82), 2. 1% yield, +126. 8% 10Y return). Both have compounded well over 10 years (TRMK: +126. 8%, DJCO: +171. 7%), 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.
09What are the main differences between DJCO and TRMK?
These companies operate in different sectors (DJCO (Technology) and TRMK (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
TRMK pays a dividend while DJCO does not, making them suitable for different income and tax situations. 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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