Suncrest Bank (OTCMKTS:SBKK – Get Rating) and Triumph Financial (NASDAQ:TFIN – Get Rating) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.
Profitability
This table compares Suncrest Bank and Triumph Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Suncrest Bank | N/A | N/A | N/A |
| Triumph Financial | 20.33% | 9.59% | 1.40% |
Institutional and Insider Ownership
5.9% of Suncrest Bank shares are held by institutional investors. Comparatively, 83.9% of Triumph Financial shares are held by institutional investors. 6.5% of Triumph Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Suncrest Bank | $46.73 million | 4.92 | $16.96 million | $1.37 | 13.56 |
| Triumph Financial | $503.31 million | 2.55 | $102.31 million | $3.96 | 13.89 |
Triumph Financial has higher revenue and earnings than Suncrest Bank. Suncrest Bank is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for Suncrest Bank and Triumph Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Suncrest Bank | 0 | 0 | 0 | 0 | N/A |
| Triumph Financial | 1 | 2 | 2 | 0 | 2.20 |
Triumph Financial has a consensus price target of $60.80, suggesting a potential upside of 10.55%. Given Triumph Financial’s higher possible upside, analysts clearly believe Triumph Financial is more favorable than Suncrest Bank.
Volatility & Risk
Suncrest Bank has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500. Comparatively, Triumph Financial has a beta of 1.18, suggesting that its share price is 18% more volatile than the S&P 500.
Summary
Triumph Financial beats Suncrest Bank on 12 of the 13 factors compared between the two stocks.
About Suncrest Bank
Suncrest Bank engages in the provision of personal and commercial banking services. It provides checking, savings and certificates of deposits, lending, cash management, online and mobile banking, e-statements, remote deposit capture, financial calculators, and customer service center. It also offers agricultural real estate loans, production finance, equipment financing and leasing, development loans, long-term fixed rate, SBA and USDA loans, valley small business guaranteed loans, USDA B&I loans, farmer mac loans, and cal-cap loans. The company was founded on May 19, 2008 and is headquartered in Visalia, CA.
About Triumph Financial
Triumph Financial, Inc. operates as a financial holding company which offers traditional banking and financial solutions. It operates through the following segments: Factoring, Banking and Corporate. The Factoring segment includes the operations of Triumph Business Capital which offers factoring services. The Banking segment relates to operations of TBK Bank, including loans originated under Triumph Commercial Finance, Triumph Healthcare Finance, and Triumph Premium Finance brands. The Corporate segment refers to the financing and investment activities, as well as the management and administrative expenses. The company was founded by Aaron P. Graft in November 2010 and is headquartered in Dallas, TX.
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