Analyzing CTT Correios de Portugal (OTCMKTS:CTTPY) & Triumph Financial (NASDAQ:TFIN)

Triumph Financial (NASDAQ:TFIN) and CTT Correios de Portugal (OTCMKTS:CTTPY) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, institutional ownership, valuation and risk.

Analyst Recommendations

This is a breakdown of recent recommendations for Triumph Financial and CTT Correios de Portugal, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	0	3	1	0	2.25
CTT Correios de Portugal	0	0	0	0	0.00

Triumph Financial presently has a consensus price target of $62.00, suggesting a potential upside of 0.81%. Given Triumph Financial’s stronger consensus rating and higher possible upside, equities analysts clearly believe Triumph Financial is more favorable than CTT Correios de Portugal.

Profitability

This table compares Triumph Financial and CTT Correios de Portugal’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Triumph Financial	2.75%	1.79%	0.25%
CTT Correios de Portugal	4.13%	16.54%	0.88%

Institutional & Insider Ownership

91.1% of Triumph Financial shares are owned by institutional investors. 5.6% of Triumph Financial shares are owned by company 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.

Volatility & Risk

Triumph Financial has a beta of 1.5, suggesting that its stock price is 50% more volatile than the S&P 500. Comparatively, CTT Correios de Portugal has a beta of -0.1, suggesting that its stock price is 110% less volatile than the S&P 500.

Earnings & Valuation

This table compares Triumph Financial and CTT Correios de Portugal”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Triumph Financial	$422.32 million	3.46	$16.09 million	$0.29	212.07
CTT Correios de Portugal	$1.20 billion	0.91	$49.28 million	$0.82	19.80

CTT Correios de Portugal has higher revenue and earnings than Triumph Financial. CTT Correios de Portugal is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Triumph Financial beats CTT Correios de Portugal on 8 of the 14 factors compared between the two stocks.

About Triumph Financial

Triumph Financial, Inc., a financial holding company, provides various payments, factoring, and banking services in the United States. It operates through Banking, Factoring, and Payments segments. The company offers deposit products, including checking, savings, money market and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services, as well as payments services offered through TriumphPay platform, a payments network for the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

About CTT Correios de Portugal

CTT – Correios De Portugal, S.A., together with its subsidiaries, provides postal and financial services worldwide. It operates through Mail, Express & Parcels, Financial Services & Retail, and Bank segments. The company offers courier and urgent mail transport services; postal financial services; and banking services. It also engages in the business of payments related to collection of invoices and fines. In addition, the company enables the payment of various services and utilities through a network of approximately 5,000 agents covering business outlets as stationery stores, tobacco shops, kiosks, and supermarkets. It operates a retail network of 566 post offices; 1,808 postal agencies; 223 postal delivery offices; 4,576 postal delivery routes; and a fleet of 3,925 vehicles. The company was formerly known as Correio Publico. CTT – Correios De Portugal, S.A. was founded in 1520 and is headquartered in Lisbon, Portugal.