Analyzing TriCo Bancshares (NASDAQ:TCBK) and BEO Bancorp (OTCMKTS:BEOB)

BEO Bancorp (OTCMKTS:BEOB) and TriCo Bancshares (NASDAQ:TCBK) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, analyst recommendations, profitability, dividends and valuation.

Earnings and Valuation

This table compares BEO Bancorp and TriCo Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BEO Bancorp	$57.76 million	2.28	$16.49 million	N/A	N/A
TriCo Bancshares	$531.04 million	2.95	$114.87 million	$3.56	13.56

TriCo Bancshares has higher revenue and earnings than BEO Bancorp.

Insider & Institutional Ownership

59.1% of TriCo Bancshares shares are owned by institutional investors. 4.8% of TriCo Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

BEO Bancorp pays an annual dividend of $2.00 per share and has a dividend yield of 1.9%. TriCo Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 3.0%. TriCo Bancshares pays out 40.4% of its earnings in the form of a dividend. TriCo Bancshares has raised its dividend for 12 consecutive years. TriCo Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for BEO Bancorp and TriCo Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BEO Bancorp	0	0	0	0	0.00
TriCo Bancshares	0	4	3	0	2.43

TriCo Bancshares has a consensus price target of $48.60, indicating a potential upside of 0.70%. Given TriCo Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe TriCo Bancshares is more favorable than BEO Bancorp.

Volatility & Risk

BEO Bancorp has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, TriCo Bancshares has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Profitability

This table compares BEO Bancorp and TriCo Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BEO Bancorp	N/A	N/A	N/A
TriCo Bancshares	21.87%	9.27%	1.19%

Summary

TriCo Bancshares beats BEO Bancorp on 14 of the 15 factors compared between the two stocks.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.

About TriCo Bancshares

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.