Head-To-Head Survey: Texas Capital Bancshares (TCBI) versus Suffolk Bancorp (SCNB)

Suffolk Bancorp (NYSE: SCNB) and Texas Capital Bancshares (NASDAQ:TCBI) are both financials companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, earnings, valuation, analyst recommendations, dividends, profitability and risk.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Suffolk Bancorp and Texas Capital Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Suffolk Bancorp 0 1 0 0 2.00
Texas Capital Bancshares 0 9 4 0 2.31

Suffolk Bancorp presently has a consensus price target of $43.00, indicating a potential upside of 6.41%. Texas Capital Bancshares has a consensus price target of $86.08, indicating a potential upside of 18.57%. Given Texas Capital Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Texas Capital Bancshares is more favorable than Suffolk Bancorp.

Valuation and Earnings

This table compares Suffolk Bancorp and Texas Capital Bancshares’ top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Suffolk Bancorp N/A N/A N/A $1.66 24.34
Texas Capital Bancshares $702.71 million 5.12 $178.56 million $3.60 20.17

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

Profitability

This table compares Suffolk Bancorp and Texas Capital Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Suffolk Bancorp 18.59% 6.97% 0.70%
Texas Capital Bancshares 21.84% 10.01% 0.83%

Dividends

Suffolk Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.0%. Texas Capital Bancshares does not pay a dividend. Suffolk Bancorp pays out 24.1% of its earnings in the form of a dividend.

Risk & Volatility

Suffolk Bancorp has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500. Comparatively, Texas Capital Bancshares has a beta of 1.67, indicating that its share price is 67% more volatile than the S&P 500.

Insider and Institutional Ownership

58.8% of Suffolk Bancorp shares are owned by institutional investors. 4.6% of Suffolk Bancorp shares are owned by insiders. Comparatively, 0.5% of Texas Capital Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Texas Capital Bancshares beats Suffolk Bancorp on 10 of the 13 factors compared between the two stocks.

Suffolk Bancorp Company Profile

Suffolk Bancorp is the bank holding company for Suffolk County National Bank of Riverhead (the Bank). The Bank is a community bank, which offers commercial and retail banking services to its customers. The Bank makes commercial real estate floating and fixed rate loans, multifamily and mixed use commercial loans primarily in the boroughs of New York City, commercial and industrial loans to manufacturers, wholesalers, distributors, developers/contractors and retailers and agricultural loans. The Bank finances its activities through a combination of deposits, including demand, saving, negotiable order of withdrawal and money market deposits, as well as time deposits, and short-term borrowings, which could include federal funds with correspondent banks, securities sold under agreements to repurchase and Federal Home Loan Bank (FHLB) borrowings.

Texas Capital Bancshares Company Profile

Texas Capital Bancshares, Inc. is a bank holding and a financial holding company. The Company is the parent of Texas Capital Bank, National Association (the Bank). It offers a range of loan, deposit account and other financial products and services to its customers. It offers a range of products and services for its business customers, including commercial loans for general corporate purposes, including financing for working capital, internal growth, acquisitions and financing for business insurance premiums; medium- and long-term tax-exempt loans for municipalities and other governmental and tax-exempt entities; wealth management and trust services, and letters of credit. It also provides banking services for its individual customers, including personal wealth management and trust services; certificates of deposit; interest-bearing and non-interest-bearing checking accounts; traditional money market and savings accounts; loans, both secured and unsecured, and Internet banking.

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