Trinity Bank, N.A. (TYBT) Stock Analysis & Winston Score

Trinity Bank, N.A. is a small community bank based in Fort Worth, Texas. It offers everyday banking services like checking and savings accounts, loans, and treasury management to local businesses and individuals. It focuses mainly on serving small and mid-sized businesses in the Dallas-Fort Worth area.

The bank makes money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. With a market cap of around $100 million, Trinity Bank is a very small regional player competing against much larger national and regional banks. Its main advantage is deep local relationships and personalized service, but its small size also means it has limited ability to absorb economic downturns or rising loan defaults, which remains its key risk.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+6.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+2.0% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

10.6%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$55M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Trinity Bank, N.A. is growing revenue at 6% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

67.3%

Premium pricing power — 67.3% gross margin

Operating Margin

33.8%

Excellent — 33.8% operating margin

ROCE

4.1%

Weak — 4.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.2%

Slow sales growth (5.2% YoY)

EPS YoY

+7.0%

Modest earnings growth (7.0% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

1.17x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

11.5x

no trend

Attractive valuation — P/E 11.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.11%

no trend

Moderate income — 2.11% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+17.8%

no trend

Dividend growing fast (17.8% YoY)

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