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Truxton Corporation (TRUX) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of Truxton Corporation stock $11.36, price $24.99, that is 54.6% below the price, quality 36 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

TC Truxton Corporation logo Broad data Nov 12, 2026

Truxton Corporation

TRUX · US

Far too expensive (fair value 55% below the price) and weak company.

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Healthy Growth (revenue 5y +22.8 %/yr in USD) 
Highly profitable · 39.6% net margin (TTM) 
2.8% dividend yield · Low payout
Broad data 
Last quarter vs. a year ago: revenue +16%, profit +29%. 
Mixed vs. peers (7/14) 
Moderate moat 64/100
Fair value $11.36 · Strongly overvalued 
Quality 36/100 
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$103.99 $6.75 Fair Value $11.36 Aug 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.

How to read this chart

60‑month range $6.75 – $103.99 · fair‑value band $8.73 – $16.97 · the $24.99 price screens above the $11.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 2026.

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Company profile

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions in the United States.

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The company offers deposit products, including demand, money market accounts, and certificates of deposit.

It also provides lending products, such as residential and commercial real estate mortgages, commercial loans, residential and commercial construction loans, consumer loans, commercial and industrial loans, personal and mortgage loans, security-based loans, residential lines of credit, and loans to individual, as well as advisory and treasury management services.

In addition, the company offers wealth advisory comprising estate and trust advisory, tax strategy and mitigation, wealth transfer strategy, cash flow forecasting, retirement strategy, and philanthropic planning; investment management which includes investment policy development, portfolio transition, institutional investment strategy, risk management, non-traditional asset management, and tax-efficient management; and family office services, trustee and executor, long-term care management, assistance with life events, intergenerational planning, bill pay and concierge, private banking, philanthropic administration, and family education and governance.

The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.

Stock analysis

Truxton Corporation (TRUX) currently trades at $24.99, while our model-based Fair Value estimate is $11.36, 55% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $18.76 per share, and 0 of the 6 models we run sit above the $24.99 price.

Bear case: the Asset-Based group reads lowest at $6.39, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $8.73 (bear) to $16.97 (bull), the price of $24.99 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Truxton Corporation reported revenue of $92.3M in FY2025 versus $35.6M in FY2021, a compound +26.9%/yr. Reported net income was $21.5M in FY2025, compounding +10.3%/yr from FY2021.

Key figures

Market cap $282M Micro · P/E ratio 13.4 · P/S ratio 4.50 · EPS (TTM) $1.86 · Dividend yield 2.8% · Net margin 39.6% · Return on equity 21.8% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (medium confidence).

What moves the price

The share trades about 76% below its 52-week high and 30% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −55%, TRUX screens richer than that median.

Fair Value models

Bear $8.73 Fair Value $11.36 Bull $16.97
Price $24.99 · Downside -54.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.02 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.27 $13.36 $19.97 75
Gordon GGM $6.98 $12.27 $16.55 68
DDM Multi-Stage $6.98 $11.35 $13.14 67
All 6 models by family
Dividend Discount
Gordon GGM $6.98 $12.27 $16.55 68
DDM Multi-Stage $6.98 $11.35 $13.14 67
Multiples
P/E Multiple $18.13 $24.17 $30.21 63
P/B Multiple $10.01 $13.34 $16.68 55
Asset-Based
NCAV (Graham) $4.77 $6.39 $9.53 54
Economic Profit
Residual Income $10.27 $13.36 $19.97 75

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 75
Do the profits arrive as real cash?
Financial strength 2
Debt, balance sheet and risk of trouble
Investment 46
Does it invest with discipline instead of growing at any price?
Low Volatility 46
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 36
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+91.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.8%
Start year 2020 (pandemic). Over 10 years: +17.2% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.9%
Dividend (yield on the price)2.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13.9% vs 14.9%, steady
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.38% → 29%
Pace: the 5-year rate starts in 2020 (pandemic)

TRUX screens overvalued: fair value 55% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −54.6% · Bottom 25%
Profitability
Return on equity (12 months) 21.8% · Top 25%
Return on assets 1.5% · Top 25%
Net margin (12 months) 39.6% · Top 25%
Operating margin (12 months) 53.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 16.3% · Above median
Dividend yield (12 months) 2.8% · Above median
Balance sheet
Debt / equity 0.16× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.4× · Pricier than median
P/B 2.42× · Priciest 25%
P/S (12 months) 4.50× · Priciest 25%
Price / free cash flow (fiscal year) 13.8× · Pricier than median
EV/EBITDA 10.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)82 · sector 47
PAST (return on equity)87 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)55 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.69 ¥7.59 +33% vs TRUX
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs TRUX
BNP Paribas SA BNP €95.57 €107.43 +12% vs TRUX
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs TRUX
UniCredit S.p.A UCG €83.68 €58.08 −31% vs TRUX
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs TRUX
DBS Group D05 69.90 SGD 40.39 SGD −42% vs TRUX
Mizuho Financial Group MFG $10.34 $5.84 −44% vs TRUX
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs TRUX
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs TRUX

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Truxton Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Truxton Corporation Fair Value". https://www.fairvalue-calculator.com/stock/TRUX

Frequently asked questions

Is Truxton Corporation (TRUX) overvalued or undervalued?
As of Nov 12, 2026, our model estimates a fair value of $11.36 versus a price of $24.99, about 55% lower (overvalued).
What is the fair value of TRUX?
Our model-based fair value for Truxton Corporation is $11.36 (as of Nov 12, 2026), built from audited fundamentals. The current price: $24.99.
What is the quality score of TRUX?
Truxton Corporation has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Truxton Corporation (TRUX)?
Our model-based price target is the fair value of $11.36 (as of Nov 12, 2026) from 6 valuation models. Cautious scenario $8.73, optimistic scenario $16.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Truxton Corporation stock forecast for 2026?
Our models put fair value at $11.36, about 55% lower versus a price of $24.99 (overvalued). Cautious scenario $8.73, optimistic scenario $16.97. The calculation is refreshed regularly with new filings.
What is the revenue of Truxton Corporation (TRUX)?
Truxton Corporation reported trailing-twelve-month revenue of about $62.6M (latest available figure, as of Nov 12, 2026).
Does Truxton Corporation pay a dividend?
Truxton Corporation currently shows a dividend yield of 2.76% relative to its recent price (as of Nov 12, 2026).
How much is the dividend of Truxton Corporation (TRUX) and when is the ex-dividend date?
Truxton Corporation pays a dividend of $0.69 per share a year, a dividend yield of 2.8%. The last ex-dividend date was Sep 10, 2026. A dividend has been paid every year since at least 2013. The payout ratio is 37.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Truxton Corporation (TRUX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Truxton Corporation it is $11.36 per share (as of Nov 12, 2026), against a price of $24.99. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Truxton Corporation stock overvalued or undervalued in 2026?
As of Nov 12, 2026, TRUX trades above its calculated fair value: price $24.99, fair value $11.36, a gap of about −55% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TRUX?
No. The price is what the market pays today ($24.99); the fair value is what the company's own numbers justify ($11.36). For Truxton Corporation the two are $13.63 per share apart. That gap is exactly why we show both numbers side by side.
How much is Truxton Corporation worth?
The market values Truxton Corporation at about $282M (market capitalisation, as of Nov 12, 2026). Per share that is $24.99; our models calculate a fair value of $11.36 per share.
What do the bullish and bearish scenarios say about TRUX?
Our models span a range for Truxton Corporation: cautious scenario $8.73, base $11.36, optimistic $16.97 per share (as of Nov 12, 2026, price $24.99). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TRUX?
Truxton Corporation trades at a price-to-earnings ratio of 13.4 (as of Nov 12, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.36 is built from several models across several years. Other multiples: P/B 2.4, P/S 4.5, EV/EBITDA 10.7.
How solid is the balance sheet of Truxton Corporation (TRUX)?
Balance-sheet figures for Truxton Corporation (as of Nov 12, 2026): return on equity 21.8%, debt of 0.16 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is TRUX from its 52-week high?
Truxton Corporation trades at $24.99, about 76% below its 52-week high of $103.99 and 30% above the low of $19.25 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of $11.36 is for.
Which stocks are comparable to Truxton Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Truxton Corporation stock attractive at the current price?
The data as of Nov 12, 2026: price $24.99, calculated fair value $11.36 (−55%), Quality Score 36/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TRUX calculated?
We run Truxton Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $11.36 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1% above its aggregate fair value. Truxton Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Truxton Corporation (TRUX)?
The closing price on Nov 13, 2026 was $24.99. Our model-based fair value is $11.36, about 55% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Truxton Corporation right now?
The price sits above even our optimistic bull case ($16.97). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($8.73 to $16.97) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Truxton Corporation (TRUX) come from?
Earnings per share at Truxton Corporation grew 15.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.5 %, EBIT margin +0.6 %, tax rate +1.6 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Truxton Corporation

How large is the market capitalisation of Truxton Corporation (TRUX)?
The market capitalisation of Truxton Corporation is $282M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Truxton Corporation (TRUX)?
The price-to-sales ratio of Truxton Corporation is 4.50 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Truxton Corporation (TRUX)?
Earnings per share at Truxton Corporation are $1.86 (price ÷ EPS = P/E 13.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Truxton Corporation (TRUX)?
The dividend yield of Truxton Corporation is 2.8% (payout 37.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Truxton Corporation (TRUX)?
The net margin of Truxton Corporation is 39.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Truxton Corporation (TRUX)?
The return on equity (ROE) of Truxton Corporation is 21.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Truxton Corporation (TRUX)?
On an EBIT basis the return on assets of Truxton Corporation is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Truxton Corporation (TRUX)?
The operating margin of Truxton Corporation is 53.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Truxton Corporation (TRUX)?
Revenue at Truxton Corporation is growing 16.3% versus a year earlier (3y avg +31.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Truxton Corporation (TRUX)?
Earnings per share at Truxton Corporation are growing 29.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Truxton Corporation (TRUX) generate?
The free cash flow of Truxton Corporation is $20.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Truxton Corporation (TRUX) carry?
The net debt of Truxton Corporation is $43.4M (fiscal year 2025, ≈ 2.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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