Triumph Bancorp (TBK) & State Street (STT) Head-To-Head Analysis

Triumph Bancorp (NASDAQ:TBK) and State Street (NYSE:STT) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

Volatility and Risk

Triumph Bancorp has a beta of 1.12, meaning that its stock price is 12% more volatile than the S&P 500. Comparatively, State Street has a beta of 1.37, meaning that its stock price is 37% more volatile than the S&P 500.

Institutional and Insider Ownership

81.4% of Triumph Bancorp shares are held by institutional investors. Comparatively, 88.7% of State Street shares are held by institutional investors. 8.5% of Triumph Bancorp shares are held by company insiders. Comparatively, 0.4% of State Street shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings for Triumph Bancorp and State Street, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Triumph Bancorp 0 2 3 0 2.60
State Street 1 8 6 1 2.44

Triumph Bancorp currently has a consensus target price of $41.25, indicating a potential upside of 36.91%. State Street has a consensus target price of $81.05, indicating a potential upside of 25.59%. Given Triumph Bancorp’s stronger consensus rating and higher possible upside, equities analysts clearly believe Triumph Bancorp is more favorable than State Street.

Profitability

This table compares Triumph Bancorp and State Street’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Triumph Bancorp 17.70% 9.61% 1.37%
State Street 18.77% 13.44% 1.16%

Earnings and Valuation

This table compares Triumph Bancorp and State Street’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Triumph Bancorp $285.95 million 2.81 $51.70 million $2.21 13.63
State Street $12.97 billion 1.86 $2.60 billion $7.22 8.94

State Street has higher revenue and earnings than Triumph Bancorp. State Street is trading at a lower price-to-earnings ratio than Triumph Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

State Street pays an annual dividend of $1.88 per share and has a dividend yield of 2.9%. Triumph Bancorp does not pay a dividend. State Street pays out 26.0% of its earnings in the form of a dividend. State Street has raised its dividend for 8 consecutive years.

Summary

State Street beats Triumph Bancorp on 11 of the 18 factors compared between the two stocks.

About Triumph Bancorp

Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through Banking, Factoring, and Corporate segments. 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; factoring services to 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, 2018, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in central and northwestern Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 30 branches in Colorado; 2 branches in far western Kansas; and loan production offices in Littleton, Colorado Springs, Durango, and Lee's Summit. Triumph Bancorp, Inc. is headquartered in Dallas, Texas.

About State Street

State Street Corporation, through its subsidiaries, provides a range of financial products and services to institutional investors worldwide. It offers investment servicing products and services, including custody; product and participant level accounting; daily pricing and administration; master trust and master custody; depotbank services; record-keeping; cash management; foreign exchange, brokerage, and other trading services; securities finance; deposit and short-term investment facilities; loans and lease financing; investment manager and alternative investment manager operations outsourcing; performance, risk, and compliance analytics; and financial data management to support institutional investors. The company also provides investment management strategies and products, such as core and enhanced indexing, multi-asset strategies, active quantitative and fundamental active capabilities, and alternative investment strategies. In addition, it offers services and solutions, including environmental, social, and governance investing; defined benefit and defined contribution; and outsourced chief investment officer. The company provides its products and services to mutual funds, collective investment funds and other investment pools, corporate and public retirement plans, insurance companies, foundations, endowments, and investment managers. State Street Corporation was founded in 1792 and is headquartered in Boston, Massachusetts.

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