Contrasting Triumph Financial (NASDAQ:TFIN) & City Bank (OTCMKTS:CTBK)

City Bank (OTCMKTS:CTBK) and Triumph Financial (NASDAQ:TFIN) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, dividends, institutional ownership, profitability, earnings, analyst recommendations and risk.

Analyst Recommendations

This is a summary of recent recommendations for City Bank and Triumph Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
City Bank	0	0	0	0	0.00
Triumph Financial	2	3	0	0	1.60

Triumph Financial has a consensus price target of $71.60, indicating a potential downside of 14.10%. Given City Bank’s higher probable upside, equities analysts plainly believe City Bank is more favorable than Triumph Financial.

Earnings & Valuation

This table compares City Bank and Triumph Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
City Bank	N/A	N/A	N/A	N/A	N/A
Triumph Financial	$417.97 million	4.66	$41.08 million	$0.78	106.86

Triumph Financial has higher revenue and earnings than City Bank.

Insider and Institutional Ownership

91.1% of Triumph Financial shares are held by institutional investors. 37.5% of City Bank shares are held by insiders. Comparatively, 6.2% of Triumph Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares City Bank and Triumph Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
City Bank	N/A	N/A	N/A
Triumph Financial	4.47%	2.64%	0.39%

Summary

Triumph Financial beats City Bank on 6 of the 8 factors compared between the two stocks.

About City Bank

As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.

About Triumph Financial

Triumph Financial, Inc., a financial holding company, provides various payments, factoring, and banking services in the United States. It operates through Banking, Factoring, and Payments segments. The company offers deposit products, including checking, savings, money market and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services, as well as payments services offered through TriumphPay platform, a payments network for the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.