TFS Financial (NASDAQ:TFSL) and TRINITY BK N A/SH (OTCMKTS:TYBT) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, analyst recommendations, institutional ownership, earnings, valuation, dividends and profitability.
Insider & Institutional Ownership
11.4% of TFS Financial shares are owned by institutional investors. Comparatively, 0.9% of TRINITY BK N A/SH shares are owned by institutional investors. 1.6% of TFS Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
TFS Financial pays an annual dividend of $1.08 per share and has a dividend yield of 4.9%. TRINITY BK N A/SH pays an annual dividend of $1.24 per share and has a dividend yield of 2.0%. TFS Financial pays out 385.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. TFS Financial has raised its dividend for 3 consecutive years. TFS Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Risk & Volatility
TFS Financial has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500. Comparatively, TRINITY BK N A/SH has a beta of 0.04, suggesting that its share price is 96% less volatile than the S&P 500.
This table compares TFS Financial and TRINITY BK N A/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|TRINITY BK N A/SH||N/A||N/A||N/A|
This is a breakdown of recent ratings and target prices for TFS Financial and TRINITY BK N A/SH, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|TRINITY BK N A/SH||0||0||0||0||N/A|
Earnings & Valuation
This table compares TFS Financial and TRINITY BK N A/SH’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|TFS Financial||$502.55 million||12.27||$80.24 million||$0.28||78.61|
|TRINITY BK N A/SH||N/A||N/A||N/A||N/A||N/A|
TFS Financial has higher revenue and earnings than TRINITY BK N A/SH.
TFS Financial beats TRINITY BK N A/SH on 9 of the 10 factors compared between the two stocks.
About TFS Financial
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company's deposit products include savings, money market, checking, certificate of deposit, individual retirement, and other qualified plan accounts. It also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company engages in the net lease transactions of commercial buildings; and provision of escrow and settlement services. It provides its products and services through its main office in Cleveland, Ohio; and 38 full-service branches and 8 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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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