TrustCo Bank Corp NY (NASDAQ:TRST – Get Free Report) and Oak Valley Bancorp (NASDAQ:OVLY – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, institutional ownership, profitability, analyst recommendations and valuation.
Profitability
This table compares TrustCo Bank Corp NY and Oak Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| TrustCo Bank Corp NY | 22.76% | 9.62% | 1.01% |
| Oak Valley Bancorp | 24.05% | 11.31% | 1.17% |
Insider and Institutional Ownership
68.6% of TrustCo Bank Corp NY shares are owned by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are owned by institutional investors. 3.4% of TrustCo Bank Corp NY shares are owned by company insiders. Comparatively, 13.9% of Oak Valley Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| TrustCo Bank Corp NY | 0 | 0 | 1 | 0 | 3.00 |
| Oak Valley Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Dividends
TrustCo Bank Corp NY pays an annual dividend of $1.60 per share and has a dividend yield of 2.8%. Oak Valley Bancorp pays an annual dividend of $0.75 per share and has a dividend yield of 2.2%. TrustCo Bank Corp NY pays out 44.4% of its earnings in the form of a dividend. Oak Valley Bancorp pays out 26.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Oak Valley Bancorp has raised its dividend for 11 consecutive years.
Valuation & Earnings
This table compares TrustCo Bank Corp NY and Oak Valley Bancorp”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| TrustCo Bank Corp NY | $278.36 million | 3.47 | $61.14 million | $3.60 | 15.74 |
| Oak Valley Bancorp | $95.04 million | 3.06 | $23.91 million | $2.82 | 12.27 |
TrustCo Bank Corp NY has higher revenue and earnings than Oak Valley Bancorp. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than TrustCo Bank Corp NY, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
TrustCo Bank Corp NY has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500.
Summary
TrustCo Bank Corp NY beats Oak Valley Bancorp on 8 of the 14 factors compared between the two stocks.
About TrustCo Bank Corp NY
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals and businesses. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. It operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.
About Oak Valley Bancorp
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company provides online and mobile banking, remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, note collection services, and automated teller machines. The company was incorporated in 1990 and is headquartered in Oakdale, California.
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