TRINITY BK N A/SH (OTCMKTS:TYBT) and First Savings Financial Group (NASDAQ:FSFG) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, valuation, earnings and risk.
This is a summary of recent ratings for TRINITY BK N A/SH and First Savings Financial Group, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|TRINITY BK N A/SH||0||0||0||0||N/A|
|First Savings Financial Group||0||0||1||0||3.00|
This table compares TRINITY BK N A/SH and First Savings Financial Group’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|
|First Savings Financial Group||17.18%||11.83%||1.14%|
Risk and Volatility
TRINITY BK N A/SH has a beta of -0.06, suggesting that its stock price is 106% less volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500.
TRINITY BK N A/SH pays an annual dividend of $1.20 per share and has a dividend yield of 1.8%. First Savings Financial Group pays an annual dividend of $0.64 per share and has a dividend yield of 1.2%. First Savings Financial Group has increased its dividend for 2 consecutive years.
Insider & Institutional Ownership
0.9% of TRINITY BK N A/SH shares are held by institutional investors. Comparatively, 25.0% of First Savings Financial Group shares are held by institutional investors. 17.3% of First Savings Financial Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares TRINITY BK N A/SH and First Savings Financial Group’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|TRINITY BK N A/SH||$8.67 million||8.37||$4.01 million||N/A||N/A|
|First Savings Financial Group||$55.45 million||2.26||$10.90 million||N/A||N/A|
First Savings Financial Group has higher revenue and earnings than TRINITY BK N A/SH.
First Savings Financial Group beats TRINITY BK N A/SH on 11 of the 13 factors compared between the two stocks.
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.
About First Savings Financial Group
First Savings Financial Group, Inc. operates as the holding company for First Savings Bank that provides various banking products and services to consumers and businesses in southern Indiana. The company operates through Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate loans, multi-family real estate loans, commercial business loans, construction loans, and land and land development loans, as well as consumer loans comprising automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in investment activities; and the provision of reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Clarksville, Indiana.
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