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

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

Profitability

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

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

Institutional and Insider Ownership

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

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Northfield Bancorp, Inc. (Staten Island, NY) and Trinity Bank, N.A., as reported by MarketBeat.com.

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

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

Risk and Volatility

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

Earnings and Valuation

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

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

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.

Dividends

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

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.