Triumph Financial (NASDAQ:TFIN – Get Free Report) and Columbia Financial (NASDAQ:CLBK – Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation and dividends.
Profitability
This table compares Triumph Financial and Columbia Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Triumph Financial | 2.75% | 1.79% | 0.25% |
| Columbia Financial | 10.19% | 4.73% | 0.49% |
Analyst Ratings
This is a breakdown of recent ratings and target prices for Triumph Financial and Columbia Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Triumph Financial | 0 | 4 | 0 | 0 | 2.00 |
| Columbia Financial | 1 | 1 | 0 | 0 | 1.50 |
Institutional & Insider Ownership
91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 12.7% of Columbia Financial shares are held by institutional investors. 5.6% of Triumph Financial shares are held by company insiders. Comparatively, 3.4% of Columbia Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Triumph Financial and Columbia Financial”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Triumph Financial | $439.00 million | 3.51 | $16.09 million | $0.93 | 69.71 |
| Columbia Financial | $508.02 million | 3.59 | -$11.65 million | $0.15 | 116.60 |
Triumph Financial has higher earnings, but lower revenue than Columbia Financial. Triumph Financial is trading at a lower price-to-earnings ratio than Columbia Financial, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Triumph Financial has a beta of 1.48, indicating that its share price is 48% more volatile than the S&P 500. Comparatively, Columbia Financial has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500.
Summary
Triumph Financial beats Columbia Financial on 8 of the 13 factors compared between the two stocks.
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.
About Columbia Financial
Columbia Financial, Inc., a bank holding company, provides various financial services to businesses and consumers in the United States. Its deposit products include checking, interest-earning checking products and municipal, savings and club deposits, and money market accounts, as well as certificates of deposit. The company also provides various loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family residential loans, construction loans, home equity loans and advances, and other consumer loans, such as automobiles and personal loans, as well as unsecured and overdraft lines of credit. In addition, it offers title insurance products; wealth management services; and cash management services comprising remote deposit, lockbox service, sweep accounts, and escrow services. The company operates full-service banking offices in New Jersey; and branch offices in Freehold, New Jersey. Columbia Financial, Inc. was founded in 1926 and is based in Fair Lawn, New Jersey. Columbia Financial, Inc. is a subsidiary of Columbia Bank MHC.
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