Trinity Bank NATYBT 71 ROE % is 13.81% as of Dec. 2025, which is 4% below its 10-year median of 14.35. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $114.08 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Trinity Bank NA ranks better than 81.63% on this metric.
The historical rank and industry rank for Trinity Bank NA's ROE % or its related term are showing as below:
TYBT'
s ROE % Range Over the Past 10 Years
Min: -2.83 Med: 14.35 Max: 17.04
Current: 15.24
During the past 10 years, Trinity Bank NA's highest ROE % was 17.04%. The lowest was -2.83%. And the median was 14.35%.
TYBT's ROE % is ranked better than 81.63% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs TYBT: 15.24
Trinity Bank NA (OTCPK:TYBT) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Trinity Bank NA ROE % Related Terms
Trinity Bank NA ROE % Historical Data
* Premium members only.
The historical data trend for Trinity Bank NA's ROE % 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.
For the Banks - Regional subindustry, Trinity Bank NA's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's ROE % distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Trinity Bank NA (TYBT) has a ROE % of 13.81% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Trinity Bank NA and its competitors. This is near median its historical median of 14.35. According to the industry distribution chart, Trinity Bank NA ranks #280 out of 1524 companies in the Banks industry, placing it in the top 18.4%.
Is Trinity Bank NA's ROE % too high?
Trinity Bank NA's current ROE % of 13.81% is near median its 10-year median of 14.35. The Banks industry median ROE % is 10.22. Trinity Bank NA's value of 13.81% is 35.1% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #280 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to KTHN and GSBX?
According to the Banks industry distribution chart, Trinity Bank NA ranks #280 out of 1524 companies for ROE %. This places Trinity Bank NA in the top 18% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Trinity Bank NA's value of 13.81% is 35.1% above this benchmark. While the company's 10-year median is 14.35 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Trinity Bank NA's current ROE % of 13.81% is 35.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Trinity Bank NA and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trinity Bank NA's current ROE % is 13.81%, which is near median its own 10-year median of 14.35. 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 $114.08, compared to a current price of $96.25 — trading 15.6% below its estimated fair value. The current ROE % is 13.81%, which is near median its 10-year median of 14.35 and 35.1% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Trinity Bank NA (TYBT), the current ROE % is 13.81% 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 $96.25 is trading 15.6% below its estimated GF Value™ of $114.08.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
ROE %: 13.81% (near median its 10-year median of 14.35)
GF Value™: $114.08 vs. price of $96.25 (15.6% below fair value)
Industry Position: 35.1% above the Banks median (#280 of 1524)
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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