Head to Head Comparison: Trustmark (NASDAQ:TRMK) & CB Financial Services (NASDAQ:CBFV)

CB Financial Services (NASDAQ:CBFV) and Trustmark (NASDAQ:TRMK) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Dividends

CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. Trustmark pays an annual dividend of $1.00 per share and has a dividend yield of 2.2%. CB Financial Services pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Trustmark pays out 25.4% of its earnings in the form of a dividend. Trustmark has raised its dividend for 1 consecutive years.

Valuation and Earnings

This table compares CB Financial Services and Trustmark”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CB Financial Services	$80.52 million	2.35	$4.90 million	$1.35	27.61
Trustmark	$1.12 billion	2.33	$224.13 million	$3.94	11.44

Trustmark has higher revenue and earnings than CB Financial Services. Trustmark is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

33.1% of CB Financial Services shares are held by institutional investors. Comparatively, 67.6% of Trustmark shares are held by institutional investors. 10.2% of CB Financial Services shares are held by company insiders. Comparatively, 1.7% of Trustmark shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

CB Financial Services has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500. Comparatively, Trustmark has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.

Profitability

This table compares CB Financial Services and Trustmark’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CB Financial Services	8.52%	10.08%	1.00%
Trustmark	20.75%	10.69%	1.20%

Analyst Recommendations

This is a summary of current recommendations and price targets for CB Financial Services and Trustmark, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CB Financial Services	0	2	2	0	2.50
Trustmark	0	4	1	1	2.50

CB Financial Services currently has a consensus price target of $42.50, indicating a potential upside of 14.03%. Trustmark has a consensus price target of $47.38, indicating a potential upside of 5.09%. Given CB Financial Services’ higher probable upside, equities analysts clearly believe CB Financial Services is more favorable than Trustmark.

Summary

Trustmark beats CB Financial Services on 11 of the 17 factors compared between the two stocks.

About CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

About Trustmark

Trustmark Corporation operates as the bank holding company for Trustmark National Bank that provides banking and other financial solutions to individuals and corporate institutions in the United States. The company operates through three segments: General Banking, Wealth Management, and Insurance. It offers checking, savings, and money market accounts; certificates of deposits and individual retirement accounts; financing for commercial and industrial projects, income-producing commercial real estate, owner-occupied real estate, and construction and land development; and installment and real estate loans, and lines of credit, as well as treasury management services. The company also provides mortgage banking services, including construction financing, production of conventional and government-insured mortgages, and secondary marketing and mortgage servicing. In addition, it provides wealth management and trust services, such as administration of personal trusts and estates; management of investment accounts for individuals, employee benefit plans, and charitable foundations; and corporate trust and institutional custody, securities brokerage, financial and estate planning, retirement plan, and investment management services. Further, the company offers business insurance products and services for medical professionals, construction, manufacturing, hospitality, real estate, and group life and health plans; and life and health insurance, and personal line policies for individual customers. Trustmark Corporation was founded in 1889 and is headquartered in Jackson, Mississippi.