Trinity Bank NATYBT 71 Graham Number is $104.87 as of Dec. 2025, which is 9434% above its 10-year median of 1.10. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $114.53 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,434 Banks companies, Trinity Bank NA ranks worse than 67.02% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-09), the stock price of Trinity Bank NA is $96.50. Trinity Bank NA's graham number for the quarter that ended in Dec. 2025 was $104.87. Therefore, Trinity Bank NA's Price to Graham Number ratio for today is 0.92.
The historical rank and industry rank for Trinity Bank NA's Graham Number or its related term are showing as below:
TYBT'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.89 Med: 1.1 Max: 1.28
Current: 0.92
During the past 10 years, the highest Price to Graham Number ratio of Trinity Bank NA was 1.28. The lowest was 0.89. And the median was 1.10.
TYBT's Price-to-Graham-Number is ranked worse than 67.02% of 1434
companies
in the Banks industry
Industry Median: 0.8
vs TYBT: 0.92
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Trinity Bank NA (OTCPK:TYBT) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Trinity Bank NA's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
96.50
/
104.87
=
0.92
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Trinity Bank NA Graham Number Related Terms
Trinity Bank NA Graham Number Historical Data
* Premium members only.
The historical data trend for Trinity Bank NA's Graham Number can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TYBT vs UBOH, CMHF, SFBC: Graham Number Comparison
For the Banks - Regional subindustry, Trinity Bank NA's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Trinity Bank NA Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Trinity Bank NA (TYBT) has a Graham Number of $104.87 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Trinity Bank NA and its competitors. This is 9434% above median its historical median of 1.10. Over the past decade, Trinity Bank NA's Graham Number has ranged from 0.89 to 1.28. According to the industry distribution chart, Trinity Bank NA ranks #961 out of 1434 companies in the Banks industry, placing it in the top 67%.
Is Trinity Bank NA's Graham Number too high?
Trinity Bank NA's current Graham Number of $104.87 is 9434% above median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 1.28. The Banks industry median Graham Number is 0.80. Trinity Bank NA's value of $104.87 is 13008.8% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #961 out of 1434 companies in the Banks industry, which is below the industry midpoint. Overall, Trinity Bank NA has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trinity Bank NA's Graham Number compare to UBOH and CMHF?
According to the Banks industry distribution chart, Trinity Bank NA ranks #961 out of 1434 companies for Graham Number. This places Trinity Bank NA in the lower half of its industry. The industry median Graham Number is 0.80. Trinity Bank NA's value of $104.87 is 13008.8% above this benchmark. Historically, Trinity Bank NA's own Graham Number has ranged from 0.89 to 1.28 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 0.80, Trinity Bank NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.80, based on 1,434 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trinity Bank NA's current Graham Number of $104.87 is 13008.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Trinity Bank NA and its competitors. For the Banks industry, the median Graham Number is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trinity Bank NA's current Graham Number is $104.87, which is 9434% above median its own 10-year median of 1.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trinity Bank NA stock overvalued right now?
Based on GuruFocus' analysis, Trinity Bank NA (TYBT) is currently considered Modestly Undervalued. The stock's GF Value™ is $114.53, compared to a current price of $96.50 — trading 15.7% below its estimated fair value. The current Graham Number is $104.87, which is 9434% above median its 10-year median of 1.10 and 13008.8% above the Banks industry median of 0.80. Trinity Bank NA's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Trinity Bank NA (TYBT), the current Graham Number is $104.87 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Trinity Bank NA (TYBT) Overvalued in 2026?
Based on GuruFocus' analysis, Trinity Bank NA stock appears to be undervalued.
The current stock price of $96.50 is trading 15.7% below its estimated GF Value™ of $114.53.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
Graham Number: $104.87 (9434% above median its 10-year median of 1.10)
GF Value™: $114.53 vs. price of $96.50 (15.7% below fair value)
Industry Position: 13008.8% above the Banks median (#961 of 1434)
No single metric tells the full story. See the TYBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trinity Bank NA operates as a national bank. The bank provides a full range of banking services to individual and corporate customers and is subject to competition from other local, regional, and national financial institutions.
71GF Score
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