OP Bancorp (NASDAQ:OPBK) versus TrustCo Bank Corp NY (NASDAQ:TRST) Financial Comparison

OP Bancorp (NASDAQ:OPBK) and TrustCo Bank Corp NY (NASDAQ:TRST) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their risk, dividends, valuation, institutional ownership, profitability, earnings and analyst recommendations.

Earnings & Valuation

This table compares OP Bancorp and TrustCo Bank Corp NY”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OP Bancorp	$82.04 million	2.11	$21.07 million	$1.39	8.36
TrustCo Bank Corp NY	$171.77 million	3.16	$48.83 million	$2.57	11.10

TrustCo Bank Corp NY has higher revenue and earnings than OP Bancorp. OP Bancorp is trading at a lower price-to-earnings ratio than TrustCo Bank Corp NY, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

53.6% of OP Bancorp shares are held by institutional investors. Comparatively, 68.6% of TrustCo Bank Corp NY shares are held by institutional investors. 21.3% of OP Bancorp shares are held by insiders. Comparatively, 3.3% of TrustCo Bank Corp NY shares are held 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.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for OP Bancorp and TrustCo Bank Corp NY, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OP Bancorp	0	1	0	0	2.00
TrustCo Bank Corp NY	0	0	0	0	0.00

OP Bancorp currently has a consensus target price of $18.00, indicating a potential upside of 54.91%. Given OP Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe OP Bancorp is more favorable than TrustCo Bank Corp NY.

Dividends

OP Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 4.1%. TrustCo Bank Corp NY pays an annual dividend of $1.44 per share and has a dividend yield of 5.0%. OP Bancorp pays out 34.5% of its earnings in the form of a dividend. TrustCo Bank Corp NY pays out 56.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk & Volatility

OP Bancorp has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500. Comparatively, TrustCo Bank Corp NY has a beta of 0.71, suggesting that its share price is 29% less volatile than the S&P 500.

Profitability

This table compares OP Bancorp and TrustCo Bank Corp NY’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OP Bancorp	13.68%	10.64%	0.91%
TrustCo Bank Corp NY	18.56%	7.37%	0.79%

Summary

TrustCo Bank Corp NY beats OP Bancorp on 9 of the 15 factors compared between the two stocks.

About OP Bancorp

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.

About TrustCo Bank Corp NY

TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals and businesses. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. It operates through banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington, and Westchester counties of New York; Brevard, Charlotte, Flagler, Hillsborough, Indian River, Lake, Manatee, Martin, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole, and Volusia counties in Florida; Bennington County in Vermont; Berkshire County in Massachusetts; and Bergen County in New Jersey, as well as automatic teller machines. The company was founded in 1902 and is headquartered in Glenville, New York.