Trinity Bank, N.A. (OTCMKTS:TYBT) and Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ:NFBK) Critical Survey

Trinity Bank, N.A. (OTCMKTS:TYBT) and Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ:NFBK) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, valuation, risk, analyst recommendations and dividends.

Institutional & Insider Ownership

65.5% of Northfield Bancorp, Inc. (Staten Island, NY) shares are held by institutional investors. 6.5% of Northfield Bancorp, Inc. (Staten Island, NY) shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Trinity Bank, N.A. and Northfield Bancorp, Inc. (Staten Island, NY)”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Trinity Bank, N.A.	$24.78 million	3.51	$8.02 million	$7.14	11.27
Northfield Bancorp, Inc. (Staten Island, NY)	$127.17 million	4.18	$37.67 million	$0.75	16.00

Northfield Bancorp, Inc. (Staten Island, NY) has higher revenue and earnings than Trinity Bank, N.A.. Trinity Bank, N.A. is trading at a lower price-to-earnings ratio than Northfield Bancorp, Inc. (Staten Island, NY), indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Trinity Bank, N.A. and Northfield Bancorp, Inc. (Staten Island, NY)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Trinity Bank, N.A.	29.77%	N/A	N/A
Northfield Bancorp, Inc. (Staten Island, NY)	12.00%	4.31%	0.53%

Analyst Ratings

This is a summary of current recommendations and price targets for Trinity Bank, N.A. and Northfield Bancorp, Inc. (Staten Island, NY), as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Trinity Bank, N.A.	0	0	0	0	N/A
Northfield Bancorp, Inc. (Staten Island, NY)	0	2	0	0	2.00

Northfield Bancorp, Inc. (Staten Island, NY) has a consensus target price of $11.13, suggesting a potential downside of 7.29%. Given Northfield Bancorp, Inc. (Staten Island, NY)’s higher probable upside, analysts plainly believe Northfield Bancorp, Inc. (Staten Island, NY) is more favorable than Trinity Bank, N.A..

Volatility and Risk

Trinity Bank, N.A. has a beta of 0.01, suggesting that its share price is 99% less volatile than the S&P 500. Comparatively, Northfield Bancorp, Inc. (Staten Island, NY) has a beta of 0.75, suggesting that its share price is 25% less volatile than the S&P 500.

Dividends

Trinity Bank, N.A. pays an annual dividend of $1.76 per share and has a dividend yield of 2.2%. Northfield Bancorp, Inc. (Staten Island, NY) pays an annual dividend of $0.52 per share and has a dividend yield of 4.3%. Trinity Bank, N.A. pays out 24.6% of its earnings in the form of a dividend. Northfield Bancorp, Inc. (Staten Island, NY) pays out 69.3% 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.

Summary

Northfield Bancorp, Inc. (Staten Island, NY) beats Trinity Bank, N.A. on 11 of the 14 factors compared between the two stocks.

About Trinity Bank, N.A.

Trinity Bank, N.A. provides personal and business banking products and services in Texas. It provides personal and business deposits, such as checking and money market accounts; treasury tax and loan deposits; mobile deposits; certificates of deposit; and automobile, secured/unsecured, home improvement, lots and interim construction, installment/term, equipment, and real estate loans, as well as revolving lines of credit. The company also offers cash management, internet and mobile banking, remote capture, CD ROM delivery, foreign and domestic wire transfer, and bill pay services, as well as ATM or Visa check cards, merchant cards, and debit cards. Trinity Bank, N.A. was founded in 2003 and is based in Fort Worth, Texas.

About Northfield Bancorp, Inc. (Staten Island, NY)

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. Further, the company provides automated teller machines; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.