Contrasting Tristate Capital (NASDAQ:TSC) and First Community (NASDAQ:FCCO)

Tristate Capital (NASDAQ:TSC) and First Community (NASDAQ:FCCO) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, analyst recommendations, dividends, earnings, risk, valuation and institutional ownership.

Analyst Ratings

This is a summary of current ratings and recommmendations for Tristate Capital and First Community, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Tristate Capital 0 1 3 0 2.75
First Community 0 1 0 0 2.00



Tristate Capital currently has a consensus target price of $25.67, suggesting a potential upside of 17.04%. First Community has a consensus target price of $20.50, suggesting a potential upside of 3.27%. Given Tristate Capital’s stronger consensus rating and higher probable upside, equities analysts plainly believe Tristate Capital is more favorable than First Community.

Profitability

This table compares Tristate Capital and First Community’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Tristate Capital 20.29% 13.03% 0.95%
First Community 20.81% 9.59% 0.99%

Dividends

First Community pays an annual dividend of $0.44 per share and has a dividend yield of 2.2%. Tristate Capital does not pay a dividend. First Community pays out 30.3% of its earnings in the form of a dividend. First Community has raised its dividend for 6 consecutive years.

Risk and Volatility

Tristate Capital has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500. Comparatively, First Community has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.

Institutional & Insider Ownership

71.1% of Tristate Capital shares are owned by institutional investors. Comparatively, 50.5% of First Community shares are owned by institutional investors. 17.5% of Tristate Capital shares are owned by insiders. Comparatively, 5.7% of First Community 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.

Earnings and Valuation

This table compares Tristate Capital and First Community’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Tristate Capital $247.70 million 2.60 $54.42 million $1.73 12.68
First Community $50.37 million 2.92 $11.23 million $1.45 13.69

Tristate Capital has higher revenue and earnings than First Community. Tristate Capital is trading at a lower price-to-earnings ratio than First Community, indicating that it is currently the more affordable of the two stocks.

Summary

Tristate Capital beats First Community on 11 of the 17 factors compared between the two stocks.

About Tristate Capital

TriState Capital Holdings, Inc. operates as the bank holding company for TriState Capital Bank that provides various commercial and private banking services to middle-market businesses and high-net-worth individuals in the United States. It operates in two segments, Bank and Investment Management. The company's deposit products include checking accounts, money market deposit accounts, and certificates of deposit, as well as promontory's certificate of deposit account registry services and insured cash sweep services. It also provides loans that are secured by cash, marketable securities, cash value life insurance, residential property, or other financial assets, as well as commercial and industrial loans, commercial real estate loans, personal loans, asset-based loans, acquisition financing, and letters of credit. In addition, the company offers liquidity and treasury management services, such as online balance reporting, online bill payment, remote deposit, liquidity, wire and ACH, foreign exchange, and controlled disbursement services; and equity and fixed income advisory and sub-advisory services to third party mutual funds and series trust mutual funds, as well as separately managed accounts primarily comprising ultra-high-net-worth and institutional clients that include corporations, ERISA plans, Taft-Hartley funds, municipalities, endowments, and foundations. Further, it provides cash management services; and capital market services, which comprise interest rate swaps and investment management products, as well as engages in wholesaling and marketing the investment products and services. The company offers its products and services through its main office located in Pittsburgh, Pennsylvania, as well as through its four additional representative offices in Cleveland, Ohio; Philadelphia, Pennsylvania; Edison, New Jersey; and New York, New York. TriState Capital Holdings, Inc. was incorporated in 2006 and is headquartered in Pittsburgh, Pennsylvania.

About First Community

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals. The company operates through four segments: Commercial and Retail Banking, Mortgage Banking, Investment Advisory and Non-Deposit, and Corporate. Its deposit products include demand deposit accounts, checking accounts, NOW accounts, and savings accounts, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit. The company's loan portfolio comprises commercial loans that consist of secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans, including secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. It also provides other banking services, which include Internet banking, cash management services, safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. In addition, the company offers non-deposit investment products and other investment brokerage services; VISA and MasterCard credit card services; financial and investment advisory services; and insurance services. It operates 20 full-service offices located in the Lexington County, Richland County, Newberry County, Kershaw County, Greenville County, Anderson County, Pickens County, and Aiken County, South Carolina; and Richmond County, Georgia. First Community Corporation was incorporated in 1994 and is headquartered in Lexington, South Carolina.

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