Financial Survey: Town and Country Financial (OTCMKTS:TWCF) & Washington Trust Bancorp (NASDAQ:WASH)

Washington Trust Bancorp (NASDAQ:WASH) and Town and Country Financial (OTCMKTS:TWCF) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, profitability, institutional ownership, earnings, analyst recommendations and valuation.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Washington Trust Bancorp and Town and Country Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Washington Trust Bancorp	1	2	1	0	2.00
Town and Country Financial	0	0	0	0	0.00

Washington Trust Bancorp presently has a consensus price target of $34.50, suggesting a potential downside of 5.14%. Given Washington Trust Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Washington Trust Bancorp is more favorable than Town and Country Financial.

Profitability

This table compares Washington Trust Bancorp and Town and Country Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Washington Trust Bancorp	13.71%	9.79%	0.79%
Town and Country Financial	N/A	N/A	N/A

Valuation & Earnings

This table compares Washington Trust Bancorp and Town and Country Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Washington Trust Bancorp	$393.95 million	1.76	$52.24 million	$2.73	13.32
Town and Country Financial	N/A	N/A	N/A	N/A	N/A

Washington Trust Bancorp has higher revenue and earnings than Town and Country Financial.

Institutional & Insider Ownership

65.8% of Washington Trust Bancorp shares are owned by institutional investors. 1.3% of Washington Trust Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Washington Trust Bancorp beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

About Washington Trust Bancorp

Washington Trust Bancorp, Inc. operates as the bank holding company for The Washington Trust Company, of Westerly that provides various banking and financial services to individuals and businesses. The company operates in two segments, Commercial Banking and Wealth Management Services. The Commercial Banking segment offers deposit accounts, including interest-bearing and noninterest-bearing demand deposits, NOW and savings accounts, money market and retirement deposit accounts, and time deposits; various commercial and retail lending products, such as commercial real estate loans, including commercial mortgages, and construction and development loans; commercial and industrial loans comprising working capital, equipment financing, and financing for other business-related purposes; residential real estate loans that consist of mortgage and homeowner construction loans; and consumer loans comprising home equity loans and lines of credit, personal installment loans, and loans to individuals secured by general aviation aircraft. This segment also provides debit cards; automated teller machines (ATMs); telephone banking, internet banking, mobile banking, remote deposit capture, and other cash management services; and investment portfolio and wholesale funding services. The Wealth Management Services segment offers investment management; financial planning; personal trust and estate services, such as trustee, personal representative, custodian, and guardian; and settlement of decedents’ estates, as well as institutional trust services comprising custody and fiduciary services for personal and institutional clients. Washington Trust Bancorp, Inc. was founded in 1800 and is headquartered in Westerly, Rhode Island.

About Town and Country Financial

Town & Country Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. It offers loans, investments, deposits, and cash management operations. Its has offices in Buffalo, Decatur, Edwardsville, Fairview Heights, Jacksonville, Lincoln, Mt. Zion, Springfield, and Quincy. The company was founded in 1983 and is headquartered in Springfield, IL.