Western New England Bancorp (NASDAQ:WNEB) and TRINITY BK N A/SH (OTCMKTS:TYBT) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their analyst recommendations, profitability, risk, valuation, earnings, institutional ownership and dividends.
Institutional and Insider Ownership
52.4% of Western New England Bancorp shares are owned by institutional investors. Comparatively, 0.9% of TRINITY BK N A/SH shares are owned by institutional investors. 5.2% of Western New England Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
This table compares Western New England Bancorp and TRINITY BK N A/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Western New England Bancorp||16.17%||6.16%||0.68%|
|TRINITY BK N A/SH||N/A||N/A||N/A|
Western New England Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.0%. TRINITY BK N A/SH pays an annual dividend of $1.20 per share and has a dividend yield of 1.8%. Western New England Bancorp pays out 35.7% of its earnings in the form of a dividend.
This is a breakdown of current ratings and price targets for Western New England Bancorp and TRINITY BK N A/SH, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Western New England Bancorp||0||1||2||0||2.67|
|TRINITY BK N A/SH||0||0||0||0||N/A|
Western New England Bancorp currently has a consensus target price of $10.50, suggesting a potential upside of 5.85%. Given Western New England Bancorp’s higher possible upside, analysts clearly believe Western New England Bancorp is more favorable than TRINITY BK N A/SH.
Earnings and Valuation
This table compares Western New England Bancorp and TRINITY BK N A/SH’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Western New England Bancorp||$88.22 million||3.00||$16.41 million||$0.56||17.71|
|TRINITY BK N A/SH||$8.67 million||8.25||$4.01 million||N/A||N/A|
Western New England Bancorp has higher revenue and earnings than TRINITY BK N A/SH.
Western New England Bancorp beats TRINITY BK N A/SH on 10 of the 12 factors compared between the two stocks.
About Western New England Bancorp
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides commercial and retail banking products and services to individuals and businesses. The company accepts various deposit accounts, including checking, savings, business and municipal savings, money market and business sweep, and individual retirement accounts; time deposits; term certificates of deposit; and interest on lawyers trust accounts. It also offers commercial real estate loans secured by one-to-four and multi-family apartment buildings, office, industrial, or mixed-use facilities, or other commercial properties; commercial construction loans; commercial and industrial loans, such as revolving lines of credit, working capital loans, equipment financing and term loans; residential real estate loans secured by one-to-four family residential properties; home equity loans; and consumer loans. In addition, the company provides automated teller machines (ATM), telephone and online banking, remote deposit capture, cash management services, overdraft facilities, night deposit services, and safe deposit facilities. It operates a network of 22 banking offices, 24 free-standing ATMs, and 24 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Granby and Enfield, Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.
About TRINITY BK N A/SH
Trinity Bank, N.A. provides personal and business banking products and services in Texas. Its personal banking products and services include deposit accounts, including checking, interest bearing checking, savings, and money market accounts, as well as certificates of deposit; loan products, such as automobile, secured/unsecured, home improvement, lots and interim construction, and mortgage loans, as well as home equity loans and lines; and Internet Banking, online statement, online bill pay, and ATM or Visa check card services. The company's business banking products and services comprise deposit accounts, including small business checking, commercial analyzed checking, savings, and commercial money market accounts, as well as certificates of deposit; loan products comprising revolving lines of credit, installment/term loans, equipment loans, real estate loans, and dealer floor plans; and cash management, merchants card, CD ROM media delivery, remote deposit, online banking, treasury tax and loan deposits, and foreign and domestic wire transfer services. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.
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