TRINITY BK N A/SH (OTCMKTS:TYBT) and Salisbury Bancorp (NASDAQ:SAL) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, earnings, risk, analyst recommendations, institutional ownership, dividends and valuation.
This is a summary of recent ratings and recommmendations for TRINITY BK N A/SH and Salisbury Bancorp, 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|
Valuation & Earnings
This table compares TRINITY BK N A/SH and Salisbury 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||8.39||$4.01 million||N/A||N/A|
|Salisbury Bancorp||$43.76 million||2.40||$6.25 million||$2.82||13.30|
Salisbury Bancorp has higher revenue and earnings than TRINITY BK N A/SH.
TRINITY BK N A/SH pays an annual dividend of $1.14 per share and has a dividend yield of 1.7%. Salisbury Bancorp pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. Salisbury Bancorp pays out 39.7% of its earnings in the form of a dividend.
This table compares TRINITY BK N A/SH and Salisbury 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|
Risk and Volatility
TRINITY BK N A/SH has a beta of 0.02, meaning that its stock price is 98% less volatile than the S&P 500. Comparatively, Salisbury Bancorp has a beta of 0.5, meaning that its stock price is 50% 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, 9.4% of Salisbury Bancorp shares are owned by institutional investors. 13.0% of Salisbury Bancorp shares are owned 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.
Salisbury Bancorp beats TRINITY BK N A/SH on 9 of the 11 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.
Salisbury Bancorp Company Profile
Salisbury Bancorp, Inc. operates as the bank holding company for Salisbury Bank and Trust Company that provides commercial banking, consumer financing, retail banking, and trust and wealth advisory services. It offers various retail and commercial deposit products. The company also provides loans, such as residential and commercial real estate loans; construction loans; commercial loans; and consumer loans, including home equity loans and lines of credit, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advisory, and investment management services to individuals, families, businesses, and institutions. Further, the company provides additional depositor related services consisting of landlord/tenant lease security accounts and services, merchant services, payroll services, ATM services, bank-by-phone services, Internet banking services, Internet bill pay services, person to person payments, bank to bank transfers, mobile banking services, and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH origination, wire transfers, and positive pay services. It operates through a network of 14 banking offices and 10 ATMs located in Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts, as well as through its main office located in Lakeville, Connecticut. Salisbury Bancorp, Inc. was founded in 1848 and is headquartered in Lakeville, Connecticut.
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