Financial Contrast: Kentucky Bancshares (OTCMKTS:KTYB) vs. TriState Capital (NASDAQ:TSC)

Kentucky Bancshares (OTCMKTS:KTYBGet Rating) and TriState Capital (NASDAQ:TSCGet Rating) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, dividends, risk, institutional ownership, earnings, profitability and analyst recommendations.

Earnings and Valuation

This table compares Kentucky Bancshares and TriState Capital’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kentucky Bancshares $58.66 million 3.91 $11.70 million $2.08 18.54
TriState Capital $289.94 million 0.00 $78.06 million $1.85 N/A

TriState Capital has higher revenue and earnings than Kentucky Bancshares. TriState Capital is trading at a lower price-to-earnings ratio than Kentucky Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of current recommendations for Kentucky Bancshares and TriState Capital, as reported by

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Kentucky Bancshares 0 0 0 0 N/A
TriState Capital 0 1 0 0 2.00

TriState Capital has a consensus price target of $31.00, suggesting a potential upside of ∞. Given TriState Capital’s higher probable upside, analysts plainly believe TriState Capital is more favorable than Kentucky Bancshares.

Institutional & Insider Ownership

76.3% of TriState Capital shares are held by institutional investors. 8.7% of Kentucky Bancshares shares are held by company insiders. Comparatively, 7.9% of TriState Capital shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.


This table compares Kentucky Bancshares and TriState Capital’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Kentucky Bancshares N/A N/A N/A
TriState Capital 27.20% 13.05% 0.66%


TriState Capital beats Kentucky Bancshares on 7 of the 10 factors compared between the two stocks.

About Kentucky Bancshares (Get Rating)

Kentucky Bancshares, Inc. operates as the bank holding company for Kentucky Bank that provides commercial and consumer banking products and services. It accepts various deposit products, including checking, savings, and money market accounts; and certificates of deposit, safe deposits, interest and noninterest bearing deposits, and time deposits. The company also offers commercial, agricultural, and real estate loans to small-to-medium-sized industrial, service, and agricultural businesses; and residential mortgages, installments, and other loans to individual and other non-commercial customers. In addition, it provides credit cards and other consumer-oriented financial services; brokerage services, annuities, life and long-term care insurance, personal trust, and agency services; and Internet banking services, such as bill payment. The company has operations in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Madison, Rowan, Scott, Woodford, and other counties in Kentucky. Kentucky Bancshares, Inc. was founded in 1851 and is headquartered in Paris, Kentucky.

About TriState Capital (Get Rating)

TriState Capital Holdings, Inc. operates as the bank holding company for TriState Capital Bank that provides various commercial and private banking services to middle-market businesses and high-net-worth individuals in the United States. The company operates in two segments, Bank and Investment Management. Its deposit products include checking accounts, money market deposit accounts, and certificates of deposit, as well as promontory's certificate of deposit account registry services and insured cash sweep services. The company also provides loans that are secured by cash, marketable securities, cash value life insurance, residential property, or other financial assets, as well as commercial and industrial loans, commercial real estate loans, personal loans, asset-based loans, acquisition financing, and letters of credit. In addition, it offers liquidity and treasury management services, such as online balance reporting, online bill payment, remote deposit, liquidity, wire and automated clearing house, foreign exchange, and controlled disbursement services; and equity and fixed income advisory and sub-advisory services to third party mutual funds and series trust mutual funds, as well as separately managed accounts primarily comprising ultra-high-net-worth and institutional clients that include corporations, ERISA plans, Taft-Hartley funds, municipalities, endowments, and foundations. Further, the company provides cash management services; and capital market services, such as interest rate swaps and investment management products, as well as engages in wholesaling and marketing the investment products and services. It offers its products and services through its main office located in Pittsburgh, Pennsylvania, as well as through its four additional representative offices in Cleveland, Ohio; Philadelphia, Pennsylvania; Edison, New Jersey; and New York, New York. The company was incorporated in 2006 and is headquartered in Pittsburgh, Pennsylvania.

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