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Trinity Bank, N.A.

TYBT
66
Banks - Regional · Financial Services
Winston Score
66
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Dec 31, 2025
How the score breaks down
Growth
Strong
Valuation
Good
Dividends
Strong
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Winston Score History

The full picture

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.

Growth Profile

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

15.9%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$534M 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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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+5.2%
Slow sales growth (+5.2% YoY)
Profit growth
EPS YoY
+7.0%
Modest earnings growth (+7.0% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
11.6x
no trend
Attractive valuation — P/E 11.6

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

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
2.12%
no trend
Moderate income — 2.12% yield

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

Dividend record
Dividend Growth
+17.8%
no trend
Dividend growing fast (17.8% YoY)

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