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Trinity Bank NATYBT -0.50%71 Intrinsic Value: Projected FCF is $143.41 as of Sep. 08, 2026. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $116.62 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,296 Banks companies, Trinity Bank NA ranks worse than 59.88% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-08), Trinity Bank NA's Intrinsic Value: Projected FCF is $143.41. The stock price of Trinity Bank NA is $99.00. Therefore, Trinity Bank NA's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.
The historical rank and industry rank for Trinity Bank NA's Intrinsic Value: Projected FCF or its related term are showing as below:
TYBT'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.65 Med: 0.81 Max: 1.07
Current: 0.69
During the past 10 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Trinity Bank NA was 1.07. The lowest was 0.65. And the median was 0.81.
TYBT's Price-to-Projected-FCF is ranked worse than 59.88% of 1296
companies
in the Banks industry
Industry Median: 0.6
vs TYBT: 0.69
Trinity Bank NA (OTCPK:TYBT) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Trinity Bank NA's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
99.00
/
143.41259487828
=
0.69
* 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 Intrinsic Value: Projected FCF Related Terms
Trinity Bank NA Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Trinity Bank NA's Intrinsic Value: Projected FCF 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.
Trinity Bank NA Intrinsic Value: Projected FCF Chart
TYBT vs FNWB, GSBX, PFBX: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Trinity Bank NA's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA's Price-to-Projected-FCF falls into.
Trinity Bank NA Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $143.41 mean?
Trinity Bank NA (TYBT) has a Intrinsic Value: Projected FCF of $143.41 as of Sep. 08, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Trinity Bank NA and its competitors. According to the industry distribution chart, Trinity Bank NA ranks #776 out of 1296 companies in the Banks industry, placing it in the top 59.9%.
Is Trinity Bank NA's Intrinsic Value: Projected FCF too high?
Trinity Bank NA's current Intrinsic Value: Projected FCF is $143.41. The Banks industry median Intrinsic Value: Projected FCF is 0.60. Trinity Bank NA's value of $143.41 is 23801.7% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #776 out of 1296 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 Intrinsic Value: Projected FCF compare to FNWB and GSBX?
According to the Banks industry distribution chart, Trinity Bank NA ranks #776 out of 1296 companies for Intrinsic Value: Projected FCF. This places Trinity Bank NA in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. Trinity Bank NA's value of $143.41 is 23801.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,296 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trinity Bank NA's current Intrinsic Value: Projected FCF of $143.41 is 23801.7% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Trinity Bank NA and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trinity Bank NA's current Intrinsic Value: Projected FCF is $143.41. 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 $116.62, compared to a current price of $99.00 — trading 15.1% below its estimated fair value. The current Intrinsic Value: Projected FCF is $143.41 and 23801.7% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Trinity Bank NA (TYBT), the current Intrinsic Value: Projected FCF is $143.41 as of Sep. 08, 2026. 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 $99.00 is trading 15.1% below its estimated GF Value™ of $116.62.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
Intrinsic Value: Projected FCF: $143.41
GF Value™: $116.62 vs. price of $99.00 (15.1% below fair value)
Industry Position: 23801.7% above the Banks median (#776 of 1296)
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
Get the complete analysis for TYBT
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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