Analyzing Bancorp 34 (OTCMKTS:BCTF) & Trinity Bank, N.A. (OTCMKTS:TYBT)

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bancorp 34	$28.85 million	1.28	-$3.40 million	N/A	N/A
Trinity Bank, N.A.	$24.78 million	4.10	$8.02 million	$7.04	13.23

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

Profitability

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

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

Dividends

Bancorp 34 pays an annual dividend of $0.28 per share and has a dividend yield of 2.9%. Trinity Bank, N.A. pays an annual dividend of $1.76 per share and has a dividend yield of 1.9%. Trinity Bank, N.A. pays out 25.0% of its earnings in the form of a dividend.

Insider & Institutional Ownership

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

Volatility & Risk

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

Analyst Recommendations

This is a summary of current ratings and target prices for Bancorp 34 and Trinity Bank, N.A., as reported by MarketBeat.com.

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

Summary

Bancorp 34 beats Trinity Bank, N.A. on 6 of the 9 factors compared between the two stocks.

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.

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.