Triumph Financial (NYSE:TFIN – Get Free Report) and Banc of California (NYSE:BANC – Get Free Report) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, risk, valuation, earnings, institutional ownership, analyst recommendations and profitability.
Risk & Volatility
Triumph Financial has a beta of 1.37, indicating that its share price is 37% more volatile than the S&P 500. Comparatively, Banc of California has a beta of 0.73, indicating that its share price is 27% less volatile than the S&P 500.
Valuation & Earnings
This table compares Triumph Financial and Banc of California”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Triumph Financial | $518.88 million | 2.87 | $25.36 million | $1.48 | 42.11 |
| Banc of California | $1.82 billion | 1.60 | $228.97 million | ($0.42) | -43.77 |
Banc of California has higher revenue and earnings than Triumph Financial. Banc of California is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 86.9% of Banc of California shares are held by institutional investors. 5.5% of Triumph Financial shares are held by company insiders. Comparatively, 2.8% of Banc of California shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Profitability
This table compares Triumph Financial and Banc of California’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Triumph Financial | 7.17% | 4.69% | 0.62% |
| Banc of California | -1.44% | 7.98% | 0.69% |
Analyst Recommendations
This is a breakdown of recent ratings and target prices for Triumph Financial and Banc of California, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Triumph Financial | 0 | 6 | 0 | 0 | 2.00 |
| Banc of California | 0 | 3 | 6 | 2 | 2.91 |
Triumph Financial currently has a consensus price target of $85.00, suggesting a potential upside of 36.38%. Banc of California has a consensus price target of $21.00, suggesting a potential upside of 14.22%. Given Triumph Financial’s higher probable upside, equities analysts clearly believe Triumph Financial is more favorable than Banc of California.
Summary
Triumph Financial beats Banc of California on 8 of the 15 factors compared between the two stocks.
About Triumph Financial
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.
About Banc of California
Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.
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