Head-To-Head Analysis: Merchants Bancshares,Inc. (MBVT) and Two River Bancorp (TRCB)

Merchants Bancshares,Inc. (NASDAQ: MBVT) and Two River Bancorp (NASDAQ:TRCB) are both financials companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, risk, profitability, earnings and valuation.

Institutional and Insider Ownership

38.6% of Merchants Bancshares,Inc. shares are owned by institutional investors. Comparatively, 23.2% of Two River Bancorp shares are owned by institutional investors. 8.8% of Merchants Bancshares,Inc. shares are owned by insiders. Comparatively, 16.5% of Two River Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Merchants Bancshares,Inc. and Two River Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Merchants Bancshares,Inc. N/A N/A N/A $2.15 23.16
Two River Bancorp $35.16 million 4.58 $8.89 million $1.06 18.11

Two River Bancorp has higher revenue and earnings than Merchants Bancshares,Inc.. Two River Bancorp is trading at a lower price-to-earnings ratio than Merchants Bancshares,Inc., indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Merchants Bancshares,Inc. has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, Two River Bancorp has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

Dividends

Merchants Bancshares,Inc. pays an annual dividend of $1.12 per share and has a dividend yield of 2.2%. Two River Bancorp pays an annual dividend of $0.18 per share and has a dividend yield of 0.9%. Merchants Bancshares,Inc. pays out 52.1% of its earnings in the form of a dividend. Two River Bancorp pays out 17.0% 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.

Profitability

This table compares Merchants Bancshares,Inc. and Two River Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Merchants Bancshares,Inc. 20.64% 9.19% 0.71%
Two River Bancorp 21.67% 8.86% 0.95%

Analyst Recommendations

This is a summary of current ratings and recommmendations for Merchants Bancshares,Inc. and Two River Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Merchants Bancshares,Inc. 0 1 0 0 2.00
Two River Bancorp 0 0 0 0 N/A

Merchants Bancshares,Inc. Company Profile

Merchants Bancshares, Inc. is a bank holding company. The Company’s subsidiary, Merchants Bank (the Bank), is a commercial bank. The Bank offers a range of deposit, loan, cash management and trust services to meet the financial needs of individual consumers, businesses and municipalities. Merchants Bank’s trust division offers investment management, financial planning and trustee services. The Bank offers commercial, financial and agricultural loans, municipal loans, residential real estate loans, commercial real estate loans, construction real estate loans and consumer installment loans for various personal needs, including vehicle and boat financing. The Bank’s deposits include demand; savings and interest bearing checking and money market accounts, and time deposits.

Two River Bancorp Company Profile

Two River Bancorp is the holding company for Two River Community Bank (the Bank). The Company acts as an independent community financial services provider. The Company’s segment is community banking operations. The Bank is a state-chartered commercial bank. The Bank offers a range of banking services, including demand, savings and time deposits, and commercial loans, residential loans and consumer/installment loans to small and medium-sized businesses, not-for-profit organizations, professionals and individuals primarily in Monmouth, Middlesex and Union Counties, New Jersey. The Bank also offers its customers various banking products, such as night depository, wire transfers, money orders, automated teller machines, direct deposit, telephone and Internet banking and corporate business services. It also offers customers a range of electronic banking services. The Bank’s deposits consist of checking accounts, savings accounts, money market accounts and certificates of deposit.

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