TRINITY BK N A/SH (TYBT) versus Farmers & Merchants Bancorp, Inc. (OH) (FMAO) Critical Analysis

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TRINITY BK N A/SH (OTCMKTS:TYBT) and Farmers & Merchants Bancorp, Inc. (OH) (NASDAQ:FMAO) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, risk, analyst recommendations, profitability, dividends, earnings and valuation.

Insider & Institutional Ownership

0.9% of TRINITY BK N A/SH shares are owned by institutional investors. Comparatively, 15.9% of Farmers & Merchants Bancorp, Inc. (OH) shares are owned by institutional investors. 4.5% of Farmers & Merchants Bancorp, Inc. (OH) shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

TRINITY BK N A/SH has a beta of 0.02, indicating that its stock price is 98% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp, Inc. (OH) has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500.

Valuation & Earnings

This table compares TRINITY BK N A/SH and Farmers & Merchants Bancorp, Inc. (OH)’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TRINITY BK N A/SH $8.67 million 8.39 $4.01 million N/A N/A
Farmers & Merchants Bancorp, Inc. (OH) $51.98 million 5.46 $12.72 million $1.38 22.15

Farmers & Merchants Bancorp, Inc. (OH) has higher revenue and earnings than TRINITY BK N A/SH.

Dividends

TRINITY BK N A/SH pays an annual dividend of $1.14 per share and has a dividend yield of 1.7%. Farmers & Merchants Bancorp, Inc. (OH) pays an annual dividend of $0.60 per share and has a dividend yield of 2.0%. Farmers & Merchants Bancorp, Inc. (OH) pays out 43.5% of its earnings in the form of a dividend.

Profitability

This table compares TRINITY BK N A/SH and Farmers & Merchants Bancorp, Inc. (OH)’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
Farmers & Merchants Bancorp, Inc. (OH) 27.06% 11.13% 1.37%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for TRINITY BK N A/SH and Farmers & Merchants Bancorp, Inc. (OH), 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
Farmers & Merchants Bancorp, Inc. (OH) 0 1 0 0 2.00

Summary

Farmers & Merchants Bancorp, Inc. (OH) beats TRINITY BK N A/SH on 9 of the 11 factors compared between the two stocks.

TRINITY BK N A/SH Company Profile

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.

Farmers & Merchants Bancorp, Inc. (OH) Company Profile

Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking, retail banking, and other financial products and services to individuals and small businesses in northwest Ohio and northeast Indiana. The company offers checking accounts; savings and time deposits, including certificates of deposits; and custodial services for individual retirement accounts and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer and credit card lending products; loans for farm land, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvements loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as operation lines of credit and machinery purchase loans; and agricultural and consumer real estate, commercial and industrial, agricultural, and consumer loans, as well as industrial development bonds. Further, it provides automated teller machine services; and online banking, remote deposit capture or electronic deposit processing, merchant credit card, and mobile banking services. As of February 8, 2018, the company operated through 25 offices. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is based in Archbold, Ohio.

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