Head to Head Contrast: SouthCrest Financial Group (OTCMKTS:SCSG) & TFS Financial (NASDAQ:TFSL)

SouthCrest Financial Group (OTCMKTS:SCSG) and TFS Financial (NASDAQ:TFSL) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, dividends, earnings, risk, analyst recommendations, valuation and profitability.

Profitability

This table compares SouthCrest Financial Group and TFS Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
SouthCrest Financial Group	N/A	N/A	N/A
TFS Financial	11.29%	4.79%	0.52%

Analyst Recommendations

This is a summary of recent ratings and recommmendations for SouthCrest Financial Group and TFS Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SouthCrest Financial Group	0	0	0	0	0.00
TFS Financial	0	2	1	0	2.33

TFS Financial has a consensus target price of $15.00, suggesting a potential upside of 0.47%. Given TFS Financial’s stronger consensus rating and higher probable upside, analysts clearly believe TFS Financial is more favorable than SouthCrest Financial Group.

Institutional and Insider Ownership

9.8% of TFS Financial shares are owned by institutional investors. 0.7% of TFS Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares SouthCrest Financial Group and TFS Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SouthCrest Financial Group	N/A	N/A	N/A	N/A	N/A
TFS Financial	$791.96 million	5.29	$90.96 million	$0.32	46.66

TFS Financial has higher revenue and earnings than SouthCrest Financial Group.

Summary

TFS Financial beats SouthCrest Financial Group on 9 of the 9 factors compared between the two stocks.

About SouthCrest Financial Group

SouthCrest Financial Group, Inc. operates as the bank holding company for SouthCrest Bank, N.A. that provides various banking products and services. It offers checking, savings, and money market accounts; and certificates of deposit. The company also provides personal loans for cars, boats, recreational vehicles, and other purchases; home equity lines of credit; loans on investment properties; owner occupied real estate, acquisition construction and development, professional practice acquisition, equipment and inventory, construction to permanent, and investment real estate loans; and working capital and lines of credit. In addition, it offers credit cards; remote deposit capture, positive pay, ACH, online wires, merchant, and reorder checks services; and online banking, online bill pay, mobile banking and deposit, and telephone banking services. The company serves retail, private, entrepreneurial, high-net-worth, and commercial customers. It operates through 9 branches in Georgia. SouthCrest Financial Group, Inc. was founded in 1910 and is headquartered in Atlanta, Georgia.

About TFS Financial

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and multiple full-service branches and loan production offices located throughout the states of Ohio and Florida. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.