Head to Head Analysis: TRINITY BK N A/SH (OTCMKTS:TYBT) and People’s United Financial (OTCMKTS:PBCT)

People’s United Financial (NASDAQ:PBCT) and TRINITY BK N A/SH (OTCMKTS:TYBT) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, earnings, valuation, risk and analyst recommendations.

Valuation and Earnings

This table compares People’s United Financial and TRINITY BK N A/SH’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
People’s United Financial $1.92 billion 3.39 $468.10 million $1.31 12.47
TRINITY BK N A/SH $8.67 million 8.21 $4.01 million N/A N/A

People’s United Financial has higher revenue and earnings than TRINITY BK N A/SH.

Analyst Recommendations

This is a summary of recent recommendations for People’s United Financial and TRINITY BK N A/SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
People’s United Financial 0 7 1 0 2.13
TRINITY BK N A/SH 0 0 0 0 N/A

People’s United Financial presently has a consensus target price of $16.80, indicating a potential upside of 2.82%. Given People’s United Financial’s higher probable upside, equities research analysts clearly believe People’s United Financial is more favorable than TRINITY BK N A/SH.

Volatility & Risk

People’s United Financial has a beta of 1.26, indicating that its share price is 26% more volatile than the S&P 500. Comparatively, TRINITY BK N A/SH has a beta of -0.02, indicating that its share price is 102% less volatile than the S&P 500.

Institutional & Insider Ownership

75.8% of People’s United Financial shares are owned by institutional investors. Comparatively, 0.9% of TRINITY BK N A/SH shares are owned by institutional investors. 2.4% of People’s United Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Dividends

People’s United Financial pays an annual dividend of $0.71 per share and has a dividend yield of 4.3%. TRINITY BK N A/SH pays an annual dividend of $1.24 per share and has a dividend yield of 1.9%. People’s United Financial pays out 54.2% of its earnings in the form of a dividend.

Profitability

This table compares People’s United Financial and TRINITY BK N A/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
People’s United Financial 23.32% 8.17% 1.08%
TRINITY BK N A/SH N/A N/A N/A

Summary

People’s United Financial beats TRINITY BK N A/SH on 11 of the 13 factors compared between the two stocks.

People’s United Financial Company Profile

People's United Financial, Inc. operates as the bank holding company for People's United Bank, National Association that provides commercial banking, retail banking, and wealth management services to individual, corporate, and municipal customers. The company operates in two segments, Commercial Banking and Retail Banking. The Commercial Banking segment offers commercial real estate lending, commercial and industrial lending, and commercial deposit gathering services. This segment also provides equipment financing; cash management, correspondent banking, and municipal banking services; and institutional trust, corporate trust, private banking, and commercial insurance services. The Retail Banking segment offers consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. This segment also provides brokerage, financial advisory, investment management, life insurance, and non-institutional trust services. In addition, the company offers online banking, investment trading, and telephone banking services. It operates through a network of 422 branches in Connecticut, southeastern New York, Massachusetts, Vermont, Maine, and New Hampshire, as well as 607 ATMs. The company was founded in 1842 and is headquartered in Bridgeport, Connecticut.

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.

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