Reviewing TFS Financial (NASDAQ:TFSL) and SouthCrest Financial Group (OTCMKTS:SCSG)

TFS Financial (NASDAQ:TFSL) and SouthCrest Financial Group (OTCMKTS:SCSG) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their risk, analyst recommendations, institutional ownership, earnings, valuation, dividends and profitability.

Earnings & Valuation

This table compares TFS Financial and SouthCrest Financial Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TFS Financial	$791.96 million	5.43	$90.96 million	$0.32	47.91
SouthCrest Financial Group	N/A	N/A	N/A	N/A	N/A

TFS Financial has higher revenue and earnings than SouthCrest Financial Group.

Profitability

This table compares TFS Financial and SouthCrest Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TFS Financial	11.29%	4.79%	0.52%
SouthCrest Financial Group	N/A	N/A	N/A

Insider and Institutional Ownership

9.8% of TFS Financial shares are held by institutional investors. 0.7% of TFS Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for TFS Financial and SouthCrest Financial Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TFS Financial	0	2	1	0	2.33
SouthCrest Financial Group	0	0	0	0	0.00

TFS Financial presently has a consensus target price of $15.00, indicating a potential downside of 2.15%. Given TFS Financial’s stronger consensus rating and higher probable upside, equities analysts plainly believe TFS Financial is more favorable than SouthCrest Financial Group.

Summary

TFS Financial beats SouthCrest Financial Group on 9 of the 9 factors compared between the two stocks.

About TFS Financial

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

About SouthCrest Financial Group

SouthCrest Financial Group, Inc. operates as the bank holding company for SouthCrest Bank, N.A. that provides various banking products and services. It offers checking, savings, and money market accounts; and certificates of deposit. The company also provides personal loans for cars, boats, recreational vehicles, and other purchases; home equity lines of credit; loans on investment properties; owner occupied real estate, acquisition construction and development, professional practice acquisition, equipment and inventory, construction to permanent, and investment real estate loans; and working capital and lines of credit. In addition, it offers credit cards; remote deposit capture, positive pay, ACH, online wires, merchant, and reorder checks services; and online banking, online bill pay, mobile banking and deposit, and telephone banking services. The company serves retail, private, entrepreneurial, high-net-worth, and commercial customers. It operates through 9 branches in Georgia. SouthCrest Financial Group, Inc. was founded in 1910 and is headquartered in Atlanta, Georgia.