Comparing Truxton (OTCMKTS:TRUX) & HarborOne Bancorp (NASDAQ:HONE)

Truxton (OTCMKTS:TRUX) and HarborOne Bancorp (NASDAQ:HONE) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, risk, dividends, institutional ownership and profitability.

Valuation and Earnings

This table compares Truxton and HarborOne Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Truxton	$67.30 million	3.18	$17.54 million	$6.04	12.17
HarborOne Bancorp	$160.61 million	3.72	$16.08 million	$0.37	36.16

Truxton has higher earnings, but lower revenue than HarborOne Bancorp. Truxton is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings for Truxton and HarborOne Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Truxton	0	0	0	0	N/A
HarborOne Bancorp	0	1	0	0	2.00

HarborOne Bancorp has a consensus price target of $14.00, suggesting a potential upside of 4.63%. Given HarborOne Bancorp’s higher possible upside, analysts plainly believe HarborOne Bancorp is more favorable than Truxton.

Volatility and Risk

Truxton has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, HarborOne Bancorp has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500.

Institutional & Insider Ownership

0.4% of Truxton shares are owned by institutional investors. Comparatively, 65.0% of HarborOne Bancorp shares are owned by institutional investors. 4.9% of HarborOne Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Dividends

Truxton pays an annual dividend of $1.72 per share and has a dividend yield of 2.3%. HarborOne Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 2.4%. Truxton pays out 28.5% of its earnings in the form of a dividend. HarborOne Bancorp pays out 86.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Profitability

This table compares Truxton and HarborOne Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Truxton	23.95%	N/A	N/A
HarborOne Bancorp	5.20%	4.59%	0.46%

Summary

HarborOne Bancorp beats Truxton on 10 of the 14 factors compared between the two stocks.

About Truxton

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions in the United States. The company offers deposit products, including demand, money market accounts, and certificates of deposit. It also provides lending products, such as residential and commercial real estate mortgages, commercial loans, construction and land development loans, commercial and industrial loans, operating lines of credit, and loans to individual. In addition, the company offers strategic and capital advisory services, business banking, and treasury management services; and insurance products. The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.

About HarborOne Bancorp

HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and primary lending products comprise commercial real estate, commercial, residential mortgages, home equity, and consumer loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides various educational services, such as free digital content, webinars, and recordings for small business and personal financial education under the HarborOne U name. The company operates through a network of full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island, as well as administrative offices in Brockton, Massachusetts, as well as ATM locations in Massachusetts. HarborOne Bancorp, Inc. was founded in 1917 and is headquartered in Brockton, Massachusetts.