Head-To-Head Comparison: Triumph Financial (NASDAQ:TFIN) and Flushing Financial (NASDAQ:FFIC)

Triumph Financial (NASDAQ:TFIN) and Flushing Financial (NASDAQ:FFIC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Triumph Financial and Flushing Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	1	4	0	0	1.80
Flushing Financial	0	2	1	0	2.33

Triumph Financial currently has a consensus price target of $65.40, suggesting a potential downside of 7.34%. Flushing Financial has a consensus price target of $15.50, suggesting a potential upside of 36.20%. Given Flushing Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Flushing Financial is more favorable than Triumph Financial.

Profitability

This table compares Triumph Financial and Flushing Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Triumph Financial	7.16%	4.22%	0.62%
Flushing Financial	6.81%	4.31%	0.34%

Earnings & Valuation

This table compares Triumph Financial and Flushing Financial’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Triumph Financial	$472.59 million	3.48	$41.08 million	$1.31	53.88
Flushing Financial	$424.07 million	0.78	$28.66 million	$1.00	11.38

Triumph Financial has higher revenue and earnings than Flushing Financial. Flushing Financial is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

91.1% of Triumph Financial shares are owned by institutional investors. Comparatively, 67.1% of Flushing Financial shares are owned by institutional investors. 6.2% of Triumph Financial shares are owned by insiders. Comparatively, 6.6% of Flushing Financial 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.

Risk & Volatility

Triumph Financial has a beta of 1.18, indicating that its share price is 18% more volatile than the S&P 500. Comparatively, Flushing Financial has a beta of 0.73, indicating that its share price is 27% less volatile than the S&P 500.

Summary

Triumph Financial beats Flushing Financial on 9 of the 14 factors compared between the two stocks.

About Triumph Financial

Triumph Financial, Inc., a financial holding company, provides various payments, factoring, and banking services in the United States. It operates through Banking, Factoring, and Payments segments. The company offers deposit products, including checking, savings, money market and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services, as well as payments services offered through TriumphPay platform, a payments network for the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

About Flushing Financial

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.