TRINITY BK N A/SH (OTCMKTS:TYBT) vs. Citizens Community Bancorp (OTCMKTS:CZWI) Head-To-Head Contrast

TRINITY BK N A/SH (OTCMKTS:TYBT) and Citizens Community Bancorp (NASDAQ:CZWI) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.

Institutional & Insider Ownership

0.9% of TRINITY BK N A/SH shares are owned by institutional investors. Comparatively, 51.7% of Citizens Community Bancorp shares are owned by institutional investors. 4.5% of Citizens Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Dividends

TRINITY BK N A/SH pays an annual dividend of $1.28 per share and has a dividend yield of 2.0%. Citizens Community Bancorp pays an annual dividend of $0.21 per share and has a dividend yield of 3.1%. Citizens Community Bancorp pays out 21.9% of its earnings in the form of a dividend. Citizens Community Bancorp has raised its dividend for 1 consecutive years. Citizens Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Earnings & Valuation

This table compares TRINITY BK N A/SH and Citizens Community Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TRINITY BK N A/SH N/A N/A N/A N/A N/A
Citizens Community Bancorp $75.40 million 1.00 $9.46 million $0.96 7.07

Citizens Community Bancorp has higher revenue and earnings than TRINITY BK N A/SH.

Risk and Volatility

TRINITY BK N A/SH has a beta of 0.1, indicating that its share price is 90% less volatile than the S&P 500. Comparatively, Citizens Community Bancorp has a beta of 1.04, indicating that its share price is 4% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for TRINITY BK N A/SH and Citizens Community Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TRINITY BK N A/SH 0 0 0 0 N/A
Citizens Community Bancorp 0 0 0 0 N/A

Profitability

This table compares TRINITY BK N A/SH and Citizens Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TRINITY BK N A/SH N/A N/A N/A
Citizens Community Bancorp 12.41% 7.84% 0.77%

Summary

Citizens Community Bancorp beats TRINITY BK N A/SH on 9 of the 10 factors compared between the two stocks.

About TRINITY BK N A/SH

Trinity Bank, N.A. provides personal and business banking products and services in Texas. Its personal banking products and services include deposit accounts, including checking, interest bearing checking, savings, and money market accounts, as well as certificates of deposit; loan products, such as automobile, secured/unsecured, home improvement, lots and interim construction, and mortgage loans, as well as home equity loans and lines; and Internet Banking, online statement, online bill pay, and ATM or Visa check card services. The company's business banking products and services comprise deposit accounts, including small business checking, commercial analyzed checking, savings, and commercial money market accounts, as well as certificates of deposit; loan products comprising revolving lines of credit, installment/term loans, equipment loans, real estate loans, and dealer floor plans; and cash management, merchants card, CD ROM media delivery, remote deposit, online banking, treasury tax and loan deposits, and foreign and domestic wire transfer services. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

About Citizens Community Bancorp

Citizens Community Bancorp, Inc. operates as a holding company for Citizens Community Federal N.A. that provides various consumer, commercial, and agricultural banking products and services in Wisconsin, Minnesota, and Michigan. It accepts various deposit products, including demand deposits, savings and money-market accounts, and certificates of deposit. The company also offers various loan products, such as commercial real estate, agricultural real estate and non-real estate, commercial and industrial, and consumer loans, as well as one-to-four family residential mortgages and home equity lines-of-credit facilities. In addition, it provides a portfolio of investments, such as U.S. government sponsored agency securities, bonds and other obligations issued by states and their political subdivisions, and mortgage-backed securities. Further, the company offers Internet and mobile banking services. As of December 31, 2018, it operated through a network of 27 full-service branches. The company was founded in 1938 and is based in Eau Claire, Wisconsin.

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