Truxton (TRUX) has followed up its Q1 2026 update with a solid recent run of numbers, with Q4 2025 revenue at US$14.3 million and net income at US$4.9 million, feeding into trailing twelve month revenue of US$56.6 million and net income of US$20.9 million. Over the past year, revenue has stepped up from US$48.1 million to US$56.6 million, and basic EPS has moved from US$6.35 to US$7.46. This gives investors a clear line of sight on how the income statement is tracking. With a trailing net profit margin of 37% and a dividend yield of 3.74%, the latest results keep the focus firmly on how consistently Truxton can sustain its profitability.

See our full analysis for Truxton.

With the headline figures on the table, the next step is to set these results against the key narratives around Truxton to see which stories line up with the numbers and which start to look stretched.

Loan Book Climbs to US$815.0 Million

• Total loans moved from US$670.9 million in Q4 2024 to US$815.0 million by Q4 2025, alongside trailing twelve month net income of US$20.9 million.
• What stands out for a bullish read is that this larger loan book sits alongside earnings growth of 16.9% over the last year and a 9.2% annual pace over five years, which
  • lines up with the idea of Truxton as a relationship driven lender and wealth platform that builds on long term client ties, and
  • relies on credit quality remaining consistent with the very small non performing loan balances reported in 2025, such as US$0.097 million in Q3.

Net Interest Metrics Stay Around 2.8% to 2.9%

• Net interest margin sat in a narrow band, at 2.9% in Q1 2025, 2.92% in Q2 and 2.82% in Q3, while the cost to income ratio moved between 50.6% and 52.7% over those quarters.
• Skeptics may focus on the slight move in the trailing net profit margin from 37.2% to 37% as a sign that profitability could be under pressure, yet
  • EPS on a trailing basis still reached US$7.46 by Q4 2025, compared with US$6.35 a year earlier, and
  • operating efficiency metrics, such as a cost to income ratio around the low 50% range, point to expenses being broadly in line with revenue generation rather than running away.

P/E of 13x vs Banks at 11.4x

• At a share price of US$94, Truxton trades on a trailing P/E of 13x compared with 11.4x for the US Banks industry and 12.5x for peers, while the DCF fair value in the data is US$140.53 and the dividend yield is 3.74%.
• What is most interesting here is the tension between a richer P/E multiple and a DCF fair value that sits well above the current price, because
  • one data point flags Truxton as priced above the sector on earnings, yet
  • the same dataset’s cash flow model suggests the shares are trading materially below that DCF fair value, which leaves investors weighing the history of 9.2% annual earnings growth and a 3.74% yield against the relative P/E premium.

Curious how numbers become stories that shape markets? Explore Community Narratives

Next Steps

Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on Truxton's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

Seen enough to sense the tone of Truxton’s story so far? Move quickly to test the numbers yourself and weigh the potential rewards in context by checking the 3 key rewards.

See What Else Is Out There

Truxton’s slightly richer 13x P/E relative to the US Banks industry and peers, paired with a modest easing in net profit margin, may leave you questioning the overall value on offer.

If you want alternatives where pricing looks tighter against fundamentals, compare Truxton’s setup with ideas in the 51 high quality undervalued stocks to see what stands out right now.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.