Triple-S Management (NYSE:GTS) and Citizens Financial (OTCMKTS:CFIN) are both small-cap medical companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, valuation and risk.

Dividends

Triple-S Management pays an annual dividend of $0.05 per share and has a dividend yield of 0.3%. Citizens Financial does not pay a dividend. Triple-S Management pays out -3.4% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of recent ratings and price targets for Triple-S Management and Citizens Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Triple-S Management 0 0 0 0 N/A
Citizens Financial 0 0 0 0 N/A

Profitability

This table compares Triple-S Management and Citizens Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Triple-S Management 1.17% 3.63% 1.11%
Citizens Financial N/A N/A N/A

Valuation and Earnings

This table compares Triple-S Management and Citizens Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Triple-S Management $3.00 billion 0.14 -$63.31 million ($1.47) -12.56
Citizens Financial N/A N/A N/A N/A N/A

Citizens Financial has lower revenue, but higher earnings than Triple-S Management.

Institutional and Insider Ownership

77.5% of Triple-S Management shares are owned by institutional investors. 2.9% of Triple-S Management shares are owned by insiders. Comparatively, 59.4% of Citizens Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility and Risk

Triple-S Management has a beta of 0.26, indicating that its stock price is 74% less volatile than the S&P 500. Comparatively, Citizens Financial has a beta of -0.16, indicating that its stock price is 116% less volatile than the S&P 500.

Summary

Triple-S Management beats Citizens Financial on 8 of the 9 factors compared between the two stocks.

Triple-S Management Company Profile

Triple-S Management Corporation, through its subsidiaries, provides a portfolio of managed care and related products in the commercial, Medicare Advantage, and Medicaid markets. It operates through three segments: Managed Care, Life Insurance, and Property and Casualty Insurance. The company offers various managed care products, including health maintenance organization plans; preferred provider organization plans; BlueCard program; Medicare Supplement products; Medicare Advantage products; Medicaid plans; and claims processing and other administrative services to employers, professional and trade associations, individuals, and government entities. It also provides various life, accident, disability, and health and annuity insurance products primarily to individuals; and property and casualty insurance products comprising commercial multi-peril package, personal package, commercial auto, hospital malpractice, commercial liability, and commercial property for small to medium size accounts. The company markets and distributes its products through a network of internal sales force, direct mail, independent brokers and agents, telemarketing staff, traditional media, and digital media, as well as e-commerce. It holds rights to the Blue Cross Blue Shield name and mark throughout Puerto Rico, the United States Virgin Islands, Costa Rica, the British Virgin Islands, and Anguilla. The company was founded in 1959 and is headquartered in San Juan, Puerto Rico.

Citizens Financial Company Profile

Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. It also offers administrative services to medical professionals involved in providing on-site treatment to patients in community settings. The company offers group ancillary insurance products, including group dental, group vision, and group life insurance; and individual ancillary insurance products, such as individual dental and individual vision insurance to the senior market. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky.

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