Head to Head Contrast: Triumph Financial (NASDAQ:TFIN) vs. 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 businesses based on the strength of their profitability, risk, earnings, analyst recommendations, valuation, dividends and institutional ownership.

Insider and Institutional Ownership

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

Analyst Ratings

This is a summary of current recommendations and price targets for City Bank and Triumph Financial, as reported 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 target price of $71.60, suggesting a potential downside of 21.10%. Given City Bank’s higher possible upside, research analysts clearly believe City Bank is more favorable than Triumph Financial.

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%

Valuation and Earnings

This table compares City Bank and Triumph Financial”s revenue, earnings per share (EPS) 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	$472.59 million	4.49	$41.08 million	$0.78	116.35

Triumph Financial has higher revenue and earnings than City Bank.

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.