Trinity Bank, N.A. (TYBT) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Trinity Bank, N.A. (TYBT) trades at $96.75 with AI Score 54/100 (Grade B). Trinity Bank, N. A. is a Texas-based community bank offering personal and business banking services. Market cap: $106M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for TYBT: TYBT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TYBT against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TYBT: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Trinity Bank, N.A. (TYBT) Financial Services Profile
Trinity Bank, N.A., established in 2003 and based in Fort Worth, Texas, provides a range of personal and business banking products and services, including deposit accounts, loans, and cash management solutions, operating with a focus on the local Texas market and maintaining a conservative financial profile.
What Is the Investment Thesis for TYBT?
Trinity Bank, N.A. presents a compelling investment case based on its established presence in the Texas banking market, consistent profitability, and conservative financial profile. With a market capitalization of $106M and a P/E ratio of 11.59, the bank demonstrates financial stability and growth potential. The bank's profit margin of 29.6% and gross margin of 69.2% indicate efficient operations and effective cost management. A dividend yield of 2.01% provides an additional incentive for investors. Key value drivers include Trinity Bank's focus on relationship-based banking, local market expertise, and tailored financial solutions. Growth catalysts include expansion of its digital banking services, strategic partnerships, and potential acquisitions. Potential risks include regulatory changes, increased competition, and economic downturns in the Texas region. Investors may want to evaluate the bank's OTC market listing and conduct thorough due diligence before investing.
Based on FMP financials and quantitative analysis
TYBT Key Highlights
Market capitalization of $106M indicates a small-cap bank with growth potential.
- P/E ratio of 11.59 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 29.6% demonstrates strong profitability and efficient operations.
- Gross margin of 69.2% reflects effective cost management and revenue generation.
- Dividend yield of 2.01% provides an income stream for investors.
Who Are TYBT's Competitors?
TYBT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BNCC BNCCORP, Inc. | $31.72 | -1.03% | $112M | 65 |
| CNBP Cornerstone Bancorp Inc. | $120.10 | +0.00% | $118M | 48 |
| CPKF Chesapeake Financial Shares, Inc. | $39.22 | -0.03% | $184M | 63 |
| PBNC PB Financial Corporation | $69.24 | +0.00% | $209M | 53 |
| PBNK Pinnacle Bank | $18.56 | -0.96% | $110M | 46 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TYBT's Key Strengths?
Strong local presence in Fort Worth, Texas.
- Personalized customer service.
- Conservative financial management.
- Experienced leadership team.
What Are TYBT's Weaknesses?
Limited geographic reach.
- Smaller asset base compared to larger competitors.
- Dependence on the Texas economy.
- OTC market listing may limit investor interest.
What Could Drive TYBT Stock Higher?
Potential expansion of digital banking services to attract new customers by Q4 2026.
- Focus on relationship-based banking to increase customer loyalty and retention.
- Strategic partnerships with local businesses to expand market reach.
- Potential acquisition of smaller banks in the region by 2027.
- Community engagement initiatives to enhance brand reputation and goodwill.
What Are the Key Risks for TYBT?
Financial-distress signal — its Altman Z-Score of 0.53 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Increased competition from larger banks and fintech companies.
- Economic downturn in the Texas region impacting loan portfolio quality.
- Regulatory changes and compliance costs affecting profitability.
- Cybersecurity threats and data breaches compromising customer information.
- OTC market listing may limit investor interest and liquidity.
What Are the Growth Opportunities for TYBT?
- Expansion of Digital Banking Services: Trinity Bank can enhance its digital banking platform to attract and retain customers. By offering user-friendly mobile and online banking services, the bank can improve customer convenience and expand its reach beyond its physical branch network. The market for digital banking is growing rapidly, with a projected market size of $9.0 trillion by 2027. Investing in digital capabilities will enable Trinity Bank to compete effectively in the evolving banking landscape and capture a larger share of the market.
- Strategic Partnerships: Trinity Bank can form strategic partnerships with local businesses and organizations to expand its customer base and offer value-added services. By collaborating with real estate developers, insurance agencies, and other complementary businesses, the bank can create new revenue streams and enhance customer loyalty. The market for strategic partnerships in the banking sector is estimated to be worth $100 billion annually. These partnerships can provide Trinity Bank with access to new markets, technologies, and expertise.
- Targeted Marketing Campaigns: Trinity Bank can launch targeted marketing campaigns to attract specific customer segments, such as small businesses and young professionals. By tailoring its marketing messages and channels to the needs and preferences of these segments, the bank can increase brand awareness and generate new leads. The market for targeted marketing in the financial services industry is projected to reach $50 billion by 2028. These campaigns can help Trinity Bank differentiate itself from larger competitors and build stronger relationships with its target customers.
- Community Engagement Initiatives: Trinity Bank can strengthen its ties to the local community by participating in community events, sponsoring local organizations, and supporting charitable causes. By demonstrating its commitment to the community, the bank can enhance its reputation and build goodwill among potential customers. The market for corporate social responsibility (CSR) initiatives in the banking sector is growing, with companies increasingly recognizing the importance of giving back to the community. These initiatives can help Trinity Bank attract socially conscious customers and employees.
- Acquisition of Smaller Banks: Trinity Bank can explore opportunities to acquire smaller banks in the Texas region to expand its market share and geographic footprint. By acquiring banks with complementary business models and customer bases, Trinity Bank can achieve economies of scale and increase its profitability. The market for bank mergers and acquisitions (M&A) is active, with numerous opportunities for consolidation in the regional banking sector. These acquisitions can provide Trinity Bank with access to new markets, technologies, and talent.
What Are TYBT's Competitive Advantages?
- Strong local presence and community relationships in Texas.
- Personalized customer service and relationship-based banking.
- Conservative financial profile and risk management practices.
What Does TYBT Do?
Trinity Bank, N.A. was founded in 2003 in Fort Worth, Texas, with the mission of providing personalized banking services to individuals and businesses within the local community. Over the years, the bank has evolved into a trusted financial partner, offering a comprehensive suite of products and services tailored to meet the specific needs of its customers. These include personal and business deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit. Trinity Bank also provides various lending options, including automobile loans, secured and unsecured loans, home improvement loans, and real estate loans. In addition to traditional banking services, Trinity Bank offers cash management solutions, internet and mobile banking, remote capture, and wire transfer services. The bank also provides ATM and Visa check cards, merchant cards, and debit cards to facilitate convenient transactions for its customers. Trinity Bank distinguishes itself through its commitment to customer service, local market expertise, and relationship-based banking. The bank's focus on serving the Texas community has enabled it to build strong customer relationships and establish a solid reputation as a reliable financial institution. With a team of 31 employees, Trinity Bank strives to deliver personalized attention and tailored financial solutions to help its customers achieve their financial goals.
What Products and Services Does TYBT Offer?
- Provides personal banking services including checking and savings accounts.
- Offers business banking solutions tailored to local Texas businesses.
- Provides various types of loans such as auto, home improvement, and real estate loans.
- Offers cash management services for businesses.
- Provides internet and mobile banking for convenient access.
- Offers remote capture and wire transfer services.
- Issues ATM, Visa check, merchant, and debit cards.
How Does TYBT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services such as cash management and wire transfers.
- Attracts deposits from individuals and businesses to fund lending activities.
What Industry Does TYBT Operate In?
Trinity Bank, N.A. operates within the regional banking sector, which is characterized by intense competition, regulatory scrutiny, and evolving customer preferences. The industry is undergoing a digital transformation, with increasing adoption of mobile and online banking services. The competitive landscape includes larger national banks, regional players, and community banks, all vying for market share. Trinity Bank differentiates itself through its focus on personalized service, local market expertise, and relationship-based banking. The bank's ability to adapt to changing customer needs and leverage technology will be crucial for its long-term success.
Who Are TYBT's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses in Texas.
- Local organizations and community groups.
Financial Health
Trinity Bank, N.A.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.53 places it in the distress zone, a signal of elevated financial risk.
Quarterly Financial Performance: Trinity Bank, N.A.
Revenue for Trinity Bank, N.A. came in at $8.1M during Q4 2025, a 1.3% improvement versus the preceding quarter. The company recorded net income of $2.2M, with diluted EPS of $1.96. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, TYBT averaged $2.00 in diluted EPS.
TYBT Valuation & Market Position
With a $106M market cap, Trinity Bank, N.A. sits in the micro-cap segment of the market. Relative to its peer group, TYBT's quantitative score of 54/100 is roughly in line with the peer average of 55/100.
Key Financial Metrics
Return on equity for Trinity Bank, N.A. stands at 14.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. TYBT trades at a trailing price-to-earnings ratio of 11.56, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.7%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Trinity Bank, N.A. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fort Worth, US. The company is led by CEO Matt R. Opitz. TYBT has traded publicly since 2007.
TYBT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Trinity Bank's future, indicating that key stakeholders believe in the company's growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and community involvement.
- The financial sector's resilience in the current economic environment has led to increased interest in regional banks like Trinity Bank.
- Recent regulatory changes may favor smaller banks, positioning Trinity Bank to capture more market share.
Bear Case
- Concerns about rising interest rates could impact loan demand, leading to potential challenges for Trinity Bank's profitability.
- Negative sentiment from some analysts points to a competitive landscape, with larger banks potentially overshadowing regional players.
- Recent discussions in the community reflect worries about economic slowdowns affecting local businesses, which could impact the bank's loan portfolio.
- Insider selling activity in the past month raises questions about the bank's near-term outlook, causing some hesitation among investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 2025 | $8M | $2M | $1.96 |
| Q3 2025 | $8M | $2M | $2.03 |
| Q2 2025 | $8M | $2M | $2.09 |
| Q1 2025 | $7M | $2M | $1.94 |
Based on FMP financials and quantitative analysis
TYBT Latest News
No recent news available for TYBT.
TYBT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TYBT.
Price Targets
Wall Street price target analysis for TYBT.
TYBT MoonshotScore
What does this score mean?
The MoonshotScore rates TYBT 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Matt R. Opitz
CEO
Matt R. Opitz serves as the CEO of Trinity Bank, N.A., bringing extensive experience in the banking industry to the role. His career includes various leadership positions in financial institutions, with a focus on commercial lending and business development. Opitz is known for his strategic vision and commitment to customer service. He holds a degree in Finance from a leading university and has completed executive education programs at prestigious business schools. His expertise in financial management and risk assessment has been instrumental in guiding Trinity Bank's growth and success.
Track Record: Under Matt R. Opitz's leadership, Trinity Bank has achieved consistent profitability and growth, expanding its customer base and market share in the Texas region. He has overseen the implementation of new technologies and digital banking services, enhancing customer convenience and operational efficiency. Opitz has also played a key role in fostering a strong corporate culture and building a high-performing team. His strategic decisions have positioned Trinity Bank as a trusted financial partner for individuals and businesses in the community.
TYBT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Trinity Bank, N.A. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may be subject to less regulatory oversight compared to companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information, price volatility, and liquidity constraints. Investors should exercise caution and conduct thorough due diligence before investing.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Lower trading volume and liquidity.
- Potential for price manipulation and fraud.
- Higher risk of delisting or suspension of trading.
- Limited regulatory oversight and investor protection.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Review the company's legal and regulatory compliance.
- Monitor the company's trading volume and price volatility.
- Consult with a qualified financial advisor.
- Established presence in the Texas banking market since 2003.
- Positive financial performance and profitability.
- Experienced management team with a track record of success.
- Commitment to community involvement and customer service.
- Membership in industry associations and regulatory compliance.
What Investors Ask About Trinity Bank, N.A. (TYBT) — Financial Services
What does the AI Score mean for TYBT?
TYBT holds an AI Score of 54/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Trinity Bank, N.A. is a Texas-based community bank offering personal and business banking services. Founded in 2003, the bank focuses on providing tailored financial solutions to its local market.
What does Trinity Bank, N.A. do?
Trinity Bank, N.A. is a community bank providing a range of personal and business banking services in Texas. These services include deposit accounts like checking, savings, and money market accounts, as well as various lending options such as auto loans, home improvement loans, and real estate loans.
What do analysts say about TYBT stock?
As a thinly traded OTC stock, TYBT has limited analyst coverage. Investors should conduct their own independent research and due diligence before investing. Key valuation metrics include the bank's P/E ratio of 11.59 and dividend yield of 2.01%. Growth considerations include the bank's expansion of digital banking services and strategic partnerships.
What are the main risks for TYBT?
Trinity Bank, N.A. faces several risks, including increased competition from larger banks and fintech companies, potential economic downturns in the Texas region, and regulatory changes and compliance costs. Cybersecurity threats and data breaches also pose a risk to the bank's operations and customer information.
What are the key factors to evaluate for TYBT?
Trinity Bank, N.A. (TYBT) holds an AI score of 54/100 (moderate). presents a compelling investment case based on its established presence in the Texas banking market, consistent profitability, and conservative financial profile. Not financial advice.
How frequently does TYBT data refresh on this page?
TYBT's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TYBT's recent stock price performance?
Trinity Bank, N.A. (TYBT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Fort Worth, Texas. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TYBT overvalued or undervalued right now?
Trinity Bank, N.A. (TYBT) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research TYBT before investing?
Before investing in Trinity Bank, N.A. (TYBT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for TYBT, which may provide additional insights.
- OTC market data may be less reliable than data from major exchanges.