TRINITY BK N A/SH (OTCMKTS:TYBT) and Cortland Bancorp (OTCMKTS:CLDB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, institutional ownership and valuation.
TRINITY BK N A/SH pays an annual dividend of $1.24 per share and has a dividend yield of 1.9%. Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 2.1%.
TRINITY BK N A/SH has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500. Comparatively, Cortland Bancorp has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500.
Institutional and Insider Ownership
0.9% of TRINITY BK N A/SH shares are owned by institutional investors. Comparatively, 1.6% of Cortland Bancorp shares are owned by institutional investors. 9.5% of Cortland 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.
Valuation and Earnings
This table compares TRINITY BK N A/SH and Cortland Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|TRINITY BK N A/SH||$8.67 million||8.18||$4.01 million||N/A||N/A|
|Cortland Bancorp||$33.46 million||2.77||$8.84 million||N/A||N/A|
Cortland Bancorp has higher revenue and earnings than TRINITY BK N A/SH.
This is a summary of recent ratings for TRINITY BK N A/SH and Cortland Bancorp, as provided 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|
This table compares TRINITY BK N A/SH and Cortland Bancorp’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|
Cortland Bancorp beats TRINITY BK N A/SH on 9 of the 10 factors compared between the two stocks.
TRINITY BK N A/SH Company Profile
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.
Cortland Bancorp Company Profile
Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.
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