Trinity Bank, N.A. (OTCMKTS:TYBT) vs. Bancorp 34 (OTCMKTS:BCTF) Financial Analysis

Trinity Bank, N.A. (OTCMKTS:TYBT) and Bancorp 34 (OTCMKTS:BCTF) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, profitability, earnings, dividends, valuation, risk and analyst recommendations.

Earnings & Valuation

This table compares Trinity Bank, N.A. and Bancorp 34’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Trinity Bank, N.A.	$24.78 million	4.10	$8.02 million	$7.04	13.23
Bancorp 34	$28.85 million	1.22	-$3.40 million	N/A	N/A

Trinity Bank, N.A. has higher earnings, but lower revenue than Bancorp 34.

Insider and Institutional Ownership

6.5% of Bancorp 34 shares are held by institutional investors. 7.4% of Bancorp 34 shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Trinity Bank, N.A. and Bancorp 34’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Trinity Bank, N.A.	32.35%	N/A	N/A
Bancorp 34	N/A	N/A	N/A

Analyst Ratings

This is a summary of recent ratings and price targets for Trinity Bank, N.A. and Bancorp 34, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Trinity Bank, N.A.	0	0	0	0	N/A
Bancorp 34	0	0	0	0	N/A

Risk & Volatility

Trinity Bank, N.A. has a beta of 0.03, meaning that its share price is 97% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.35, meaning that its share price is 65% less volatile than the S&P 500.

Summary

Bancorp 34 beats Trinity Bank, N.A. on 4 of the 7 factors compared between the two stocks.

About Trinity Bank, N.A.

Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

About Bancorp 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.