Town and Country Financial (OTCMKTS:TWCF) versus Independent Bank (NASDAQ:INDB) Financial Analysis

Independent Bank (NASDAQ:INDB) and Town and Country Financial (OTCMKTS:TWCF) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, analyst recommendations, earnings, dividends and profitability.

Analyst Ratings

This is a summary of current recommendations and price targets for Independent Bank and Town and Country Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Independent Bank	1	3	1	0	2.00
Town and Country Financial	0	0	0	0	0.00

Independent Bank presently has a consensus target price of $76.50, suggesting a potential downside of 7.66%. Given Independent Bank’s stronger consensus rating and higher probable upside, equities analysts plainly believe Independent Bank is more favorable than Town and Country Financial.

Earnings and Valuation

This table compares Independent Bank and Town and Country Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Independent Bank	$1.17 billion	3.51	$205.12 million	$4.45	18.62
Town and Country Financial	N/A	N/A	N/A	N/A	N/A

Independent Bank has higher revenue and earnings than Town and Country Financial.

Profitability

This table compares Independent Bank and Town and Country Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Independent Bank	17.51%	7.88%	1.16%
Town and Country Financial	N/A	N/A	N/A

Insider & Institutional Ownership

83.4% of Independent Bank shares are owned by institutional investors. 0.8% of Independent Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Independent Bank beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

About Independent Bank

Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States. The company provides interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. It offers commercial real estate and construction, commercial and industrial, small business, secured and unsecured commercial, and consumer real estate loans; term loans and revolving/nonrevolving lines of credit; overdraft protection and letters of credit; and residential mortgages and home equity loans and lines. In addition, the company provides cash management services, such as ACH transaction processing, positive pay, and remote deposit services; investment management and trust services to individuals, institutions, small businesses, and charitable institutions; mobile, online, and telephone banking; estate settlement, financial planning, tax services, and other services; automated teller machines; debit and credit cards; and mutual fund and unit investment trust shares, third party model portfolios, general securities, fixed and variable annuities, and life insurance products, as well as advisory platforms. Further, it invests in low-income housing tax credit projects; holds, maintains, and disposes foreclosed properties; and operates as an investment advisor. Independent Bank Corp. was founded in 1907 and is headquartered in Rockland, Massachusetts.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.