BancFirst (NASDAQ: BANF) and TrustCo Bank Corp NY (NASDAQ:TRST) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, earnings, profitability, institutional ownership, valuation and risk.
Risk & Volatility
BancFirst has a beta of 0.71, suggesting that its stock price is 29% less volatile than the S&P 500. Comparatively, TrustCo Bank Corp NY has a beta of 1.08, suggesting that its stock price is 8% more volatile than the S&P 500.
This table compares BancFirst and TrustCo Bank Corp NY’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BancFirst||$366.13 million||4.92||$86.43 million||$2.65||20.81|
|TrustCo Bank Corp NY||$187.33 million||4.53||$43.14 million||$0.45||19.56|
BancFirst has higher revenue and earnings than TrustCo Bank Corp NY. TrustCo Bank Corp NY is trading at a lower price-to-earnings ratio than BancFirst, indicating that it is currently the more affordable of the two stocks.
This is a summary of recent ratings and recommmendations for BancFirst and TrustCo Bank Corp NY, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|TrustCo Bank Corp NY||0||2||0||0||2.00|
TrustCo Bank Corp NY has a consensus target price of $9.75, suggesting a potential upside of 10.80%. Given TrustCo Bank Corp NY’s higher probable upside, analysts clearly believe TrustCo Bank Corp NY is more favorable than BancFirst.
This table compares BancFirst and TrustCo Bank Corp NY’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|TrustCo Bank Corp NY||23.03%||10.73%||0.99%|
BancFirst pays an annual dividend of $0.84 per share and has a dividend yield of 1.5%. TrustCo Bank Corp NY pays an annual dividend of $0.26 per share and has a dividend yield of 3.0%. BancFirst pays out 31.7% of its earnings in the form of a dividend. TrustCo Bank Corp NY pays out 57.8% 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. BancFirst has raised its dividend for 16 consecutive years.
Insider and Institutional Ownership
33.2% of BancFirst shares are held by institutional investors. Comparatively, 61.9% of TrustCo Bank Corp NY shares are held by institutional investors. 42.3% of BancFirst shares are held by insiders. Comparatively, 0.2% of TrustCo Bank Corp NY shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
BancFirst beats TrustCo Bank Corp NY on 11 of the 15 factors compared between the two stocks.
BancFirst Company Profile
BancFirst Corporation is a financial holding company. The Company conducts its operating activities through its principal subsidiary, BancFirst (the Bank), a state-chartered bank. It has four business units, which include metropolitan banks, community banks, other financial services, and executive, operations and support. The metropolitan and community banks offer traditional banking products, such as commercial and retail lending, and a line of deposit accounts. The metropolitan banks consist of banking locations in the metropolitan Oklahoma City and Tulsa areas. The community banks consist of banking locations in communities throughout Oklahoma. Its other financial services are specialty product business units, including guaranteed small business lending, residential mortgage lending, trust services, securities brokerage, electronic banking and insurance. The executive, operations and support groups represent executive management, operational support and corporate functions.
TrustCo Bank Corp NY Company Profile
TrustCo Bank Corp NY is a savings and loan holding company. The Company’s principal subsidiary is Trustco Bank (the Bank). The Bank is a federal savings bank engaged in providing general banking services to individuals, partnerships and corporations. It operates through community banking segment. The Bank’s business consists of accepting deposits and making loans and investments. The Bank provides both personal and business banking services. The Bank’s subsidiary, Trustco Realty Corp., is a real estate investment trust (REIT) formed to acquire, hold and manage real estate mortgage assets, including residential mortgage loans and mortgage backed securities. The Bank’s trust department operates under the name, Trustco Financial Services, and serves as executor of estates and trustee of personal trusts, provides asset and wealth management services, and provides estate planning and related advice, provides custodial services.
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