Triumph Bancorp (NASDAQ:TBK) and State Street (NYSE:STT) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, institutional ownership, dividends, risk and profitability.
Risk and Volatility
Triumph Bancorp has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500. Comparatively, State Street has a beta of 1.37, meaning that its share price is 37% more volatile than the S&P 500.
This table compares Triumph Bancorp and State Street’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Triumph Bancorp||$285.95 million||2.78||$51.70 million||$2.21||13.47|
|State Street||$12.97 billion||1.81||$2.60 billion||$7.22||8.70|
State Street has higher revenue and earnings than Triumph Bancorp. State Street is trading at a lower price-to-earnings ratio than Triumph Bancorp, indicating that it is currently the more affordable of the two stocks.
State Street pays an annual dividend of $1.88 per share and has a dividend yield of 3.0%. Triumph Bancorp does not pay a dividend. State Street pays out 26.0% of its earnings in the form of a dividend. State Street has raised its dividend for 8 consecutive years.
Institutional and Insider Ownership
81.4% of Triumph Bancorp shares are held by institutional investors. Comparatively, 88.7% of State Street shares are held by institutional investors. 8.5% of Triumph Bancorp shares are held by company insiders. Comparatively, 0.4% of State Street shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This is a breakdown of current ratings and recommmendations for Triumph Bancorp and State Street, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Triumph Bancorp presently has a consensus price target of $41.25, suggesting a potential upside of 38.56%. State Street has a consensus price target of $81.05, suggesting a potential upside of 29.11%. Given Triumph Bancorp’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Triumph Bancorp is more favorable than State Street.
This table compares Triumph Bancorp and State Street’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
State Street beats Triumph Bancorp on 11 of the 18 factors compared between the two stocks.
Triumph Bancorp Company Profile
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through Banking, Factoring, and Corporate segments. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; factoring services to the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2018, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in central and northwestern Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 30 branches in Colorado; 2 branches in far western Kansas; and loan production offices in Littleton, Colorado Springs, Durango, and Lee's Summit. Triumph Bancorp, Inc. is headquartered in Dallas, Texas.
State Street Company Profile
State Street Corporation, through its subsidiaries, provides a range of financial products and services to institutional investors worldwide. It offers investment servicing products and services, including custody; product and participant level accounting; daily pricing and administration; master trust and master custody; depotbank services; record-keeping; cash management; foreign exchange, brokerage, and other trading services; securities finance; deposit and short-term investment facilities; loans and lease financing; investment manager and alternative investment manager operations outsourcing; performance, risk, and compliance analytics; and financial data management to support institutional investors. The company also provides investment management strategies and products, such as core and enhanced indexing, multi-asset strategies, active quantitative and fundamental active capabilities, and alternative investment strategies. In addition, it offers services and solutions, including environmental, social, and governance investing; defined benefit and defined contribution; and outsourced chief investment officer. The company provides its products and services to mutual funds, collective investment funds and other investment pools, corporate and public retirement plans, insurance companies, foundations, endowments, and investment managers. State Street Corporation was founded in 1792 and is headquartered in Boston, Massachusetts.
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