Fulton Financial (NASDAQ:FULT) and Town and Country Financial (OTCMKTS:TWCF) Head-To-Head Analysis

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

Analyst Ratings

This is a breakdown of current recommendations for Town and Country Financial and Fulton Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Town and Country Financial	0	0	0	0	0.00
Fulton Financial	0	7	2	0	2.22

Fulton Financial has a consensus target price of $20.70, indicating a potential upside of 16.62%. Given Fulton Financial’s stronger consensus rating and higher probable upside, analysts plainly believe Fulton Financial is more favorable than Town and Country Financial.

Valuation and Earnings

This table compares Town and Country Financial and Fulton Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Town and Country Financial	N/A	N/A	N/A	N/A	N/A
Fulton Financial	$1.30 billion	2.47	$288.74 million	$1.91	9.29

Fulton Financial has higher revenue and earnings than Town and Country Financial.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Town and Country Financial	N/A	N/A	N/A
Fulton Financial	19.01%	12.55%	1.24%

Insider & Institutional Ownership

72.0% of Fulton Financial shares are owned by institutional investors. 1.1% of Fulton Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Fulton Financial beats Town and Country Financial on 9 of the 9 factors compared between the two stocks.

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.

About Fulton Financial

Fulton Financial Corporation operates as a financial holding company that provides consumer and commercial banking products and services in Pennsylvania, Delaware, Maryland, New Jersey, and Virginia. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company offers consumer loans products, including home equity loans and lines of credit, automobile loans, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial real estate, commercial and industrial, and construction loans, as well as equipment lease financing loans. In addition, it offers letters of credit, cash management services, and traditional deposit products; and wealth management services, including investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns trust preferred securities; and sells various life insurance products. It provides its products and services through financial center offices, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.