Community Trust Bancorp (NASDAQ:CTBI) and Spirit of Texas Bancshares (NASDAQ:STXB) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, dividends, earnings, institutional ownership and valuation.
This is a breakdown of recent ratings for Community Trust Bancorp and Spirit of Texas Bancshares, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Trust Bancorp||0||0||0||0||N/A|
|Spirit of Texas Bancshares||0||1||2||0||2.67|
Spirit of Texas Bancshares has a consensus target price of $26.00, indicating a potential upside of 39.04%. Given Spirit of Texas Bancshares’ higher possible upside, analysts clearly believe Spirit of Texas Bancshares is more favorable than Community Trust Bancorp.
This table compares Community Trust Bancorp and Spirit of Texas Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Trust Bancorp||26.68%||11.02%||1.41%|
|Spirit of Texas Bancshares||N/A||N/A||N/A|
Valuation & Earnings
This table compares Community Trust Bancorp and Spirit of Texas Bancshares’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community Trust Bancorp||$204.20 million||3.96||$51.49 million||$2.80||16.31|
|Spirit of Texas Bancshares||$56.54 million||3.24||$4.75 million||N/A||N/A|
Community Trust Bancorp has higher revenue and earnings than Spirit of Texas Bancshares.
Institutional & Insider Ownership
58.3% of Community Trust Bancorp shares are held by institutional investors. Comparatively, 24.7% of Spirit of Texas Bancshares shares are held by institutional investors. 4.8% of Community Trust Bancorp shares are held by company insiders. Comparatively, 14.0% of Spirit of Texas Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Community Trust Bancorp pays an annual dividend of $1.44 per share and has a dividend yield of 3.2%. Spirit of Texas Bancshares does not pay a dividend. Community Trust Bancorp pays out 51.4% of its earnings in the form of a dividend. Community Trust Bancorp has raised its dividend for 37 consecutive years.
Community Trust Bancorp beats Spirit of Texas Bancshares on 9 of the 13 factors compared between the two stocks.
Community Trust Bancorp Company Profile
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, Keogh plans, and savings certificates, as well as checking and savings, individual retirement, NOW, and money market accounts. It also offers loan products, such as commercial and residential real estate loans; commercial, construction and development, mortgage, and personal loans, as well as consumer, and secured and unsecured loans; and lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing. In addition, the company provides cash management, safe deposit boxes rental, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. Further, it offers full service securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements. As of January 26, 2018, the company operated 70 banking locations in eastern, northeastern, central, and south central Kentucky; 6 banking locations in southern West Virginia; 4 banking locations in northeastern Tennessee; 4 trust offices in Kentucky; and 1 trust office in Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
Spirit of Texas Bancshares Company Profile
Spirit of Texas Bancshares, Inc. operates as the holding company for Spirit of Texas Bank SSB that provides various commercial and retail banking services to small and medium-sized businesses and individuals. It offers checking accounts, money market accounts, savings accounts, certificates of deposit, and IRA accounts, The company also provides commercial and industrial loans; 1-4 single family residential real estate loans; construction, land, and development loans; commercial real estate loans, such as owner-occupied commercial real estate loans, other commercial real estate loans, and multifamily loans and farmland; consumer loans and leases; and municipal and other loans. In addition, it offers debit and credit cards, safe deposit boxes, wire transfer and treasury management services, and online banking services; and invests in U.S. Treasury bills and notes, as well as in securities of federally sponsored agencies, such as Federal Home Loan Bank bonds. The company operates through a network of 15 full-service branches located in the Houston, Dallas/Fort Worth, and Bryan/College Station metropolitan areas, the United States. Spirit of Texas Bancshares, Inc. was founded in 2008 and is headquartered in Conroe, Texas.
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