BankFinancial (BFIN) Competitors

BankFinancial (NASDAQ:BFIN) and TrustCo Bank Corp NY (NASDAQ:TRST) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, institutional ownership, risk, valuation, analyst recommendations, media sentiment, community ranking, dividends and earnings.

Which has more risk & volatility, BFIN or TRST?

BankFinancial has a beta of 0.5, indicating that its stock price is 50% less volatile than the S&P 500. Comparatively, TrustCo Bank Corp NY has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500.

Do insiders and institutionals have more ownership in BFIN or TRST?

74.9% of BankFinancial shares are owned by institutional investors. Comparatively, 68.6% of TrustCo Bank Corp NY shares are owned by institutional investors. 7.5% of BankFinancial shares are owned by insiders. Comparatively, 3.3% of TrustCo Bank Corp NY shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Is BFIN or TRST a better dividend stock?

BankFinancial pays an annual dividend of $0.40 per share and has a dividend yield of 3.1%. TrustCo Bank Corp NY pays an annual dividend of $1.44 per share and has a dividend yield of 4.4%. BankFinancial pays out 62.5% of its earnings in the form of a dividend. TrustCo Bank Corp NY pays out 56.0% 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. TrustCo Bank Corp NY is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the MarketBeat Community favor BFIN or TRST?

BankFinancial received 50 more outperform votes than TrustCo Bank Corp NY when rated by MarketBeat users. However, 53.44% of users gave TrustCo Bank Corp NY an outperform vote while only 50.57% of users gave BankFinancial an outperform vote.

Company	Underperform	Outperform
BankFinancial	Outperform Votes 221 50.57%	Underperform Votes 216 49.43%
TrustCo Bank Corp NY	Outperform Votes 171 53.44%	Underperform Votes 149 46.56%

Does the media favor BFIN or TRST?

In the previous week, TrustCo Bank Corp NY had 6 more articles in the media than BankFinancial. MarketBeat recorded 7 mentions for TrustCo Bank Corp NY and 1 mentions for BankFinancial. TrustCo Bank Corp NY's average media sentiment score of 0.50 beat BankFinancial's score of 0.00 indicating that TrustCo Bank Corp NY is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
BankFinancial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
TrustCo Bank Corp NY	1 Very Positive mention(s)	1 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is BFIN or TRST more profitable?

TrustCo Bank Corp NY has a net margin of 18.56% compared to BankFinancial's net margin of 10.60%. TrustCo Bank Corp NY's return on equity of 7.37% beat BankFinancial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
BankFinancial	10.60%	5.04%	0.54%
TrustCo Bank Corp NY	18.56%	7.37%	0.79%

Which has preferable valuation & earnings, BFIN or TRST?

TrustCo Bank Corp NY has higher revenue and earnings than BankFinancial. TrustCo Bank Corp NY is trading at a lower price-to-earnings ratio than BankFinancial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BankFinancial	$70.57M	2.28	$9.39M	$0.64	20.20
TrustCo Bank Corp NY	$171.77M	3.62	$48.83M	$2.57	12.74

Summary

TrustCo Bank Corp NY beats BankFinancial on 13 of the 17 factors compared between the two stocks.