Reviewing Triumph Financial (NYSE:TFIN) & Bar Harbor Bankshares (NYSE:BHB)

Triumph Financial (NYSE:TFIN) and Bar Harbor Bankshares (NYSE:BHB) are both small-cap financial services companies, but which is the superior stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, risk, dividends, earnings and valuation.

Earnings and Valuation

This table compares Triumph Financial and Bar Harbor Bankshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Triumph Financial	$422.32 million	3.50	$16.09 million	$0.29	214.28
Bar Harbor Bankshares	$156.64 million	3.45	$38.72 million	$2.32	13.97

Bar Harbor Bankshares has lower revenue, but higher earnings than Triumph Financial. Bar Harbor Bankshares is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Triumph Financial has a beta of 1.5, indicating that its stock price is 50% more volatile than the S&P 500. Comparatively, Bar Harbor Bankshares has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500.

Insider & Institutional Ownership

91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 54.5% of Bar Harbor Bankshares shares are held by institutional investors. 5.6% of Triumph Financial shares are held by company insiders. Comparatively, 2.6% of Bar Harbor Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Triumph Financial and Bar Harbor Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Triumph Financial	2.00%	1.76%	0.24%
Bar Harbor Bankshares	N/A	N/A	N/A

Analyst Ratings

This is a summary of current ratings and target prices for Triumph Financial and Bar Harbor Bankshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	1	0	0	0	1.00
Bar Harbor Bankshares	0	2	1	0	2.33

Bar Harbor Bankshares has a consensus price target of $34.50, indicating a potential upside of 6.42%. Given Bar Harbor Bankshares’ stronger consensus rating and higher probable upside, analysts clearly believe Bar Harbor Bankshares is more favorable than Triumph Financial.

Summary

Triumph Financial beats Bar Harbor Bankshares on 9 of the 14 factors compared between the two stocks.

About Triumph Financial

Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.

About Bar Harbor Bankshares

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It accepts various deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. The company also provides commercial real estate loans, such as multi-family, commercial construction and land development, and other commercial real estate classes; commercial and industrial loans, including loans to commercial and agricultural businesses, and tax exempt entities; residential real estate loans consists of mortgages for 1-4 family housing; and consumer loans comprises home equity loans, lines of credit, auto, and other installment lending. In addition, it provides life insurance, annuity, and retirement products, as well as financial planning services; and third-party investment and insurance services. Further, the company offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401K plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. It operates 53 locations across Maine, New Hampshire, and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.