Comparing Jeffersonville Bancorp (OTCMKTS:JFBC) and Carter Bankshares (NASDAQ:CARE)

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

Profitability

This table compares Carter Bankshares and Jeffersonville Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Carter Bankshares	12.32%	7.64%	0.65%
Jeffersonville Bancorp	35.75%	12.97%	1.88%

Insider and Institutional Ownership

41.5% of Carter Bankshares shares are owned by institutional investors. 2.2% of Carter Bankshares shares are owned by company insiders. Comparatively, 8.4% of Jeffersonville Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

Carter Bankshares has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500. Comparatively, Jeffersonville Bancorp has a beta of 0.2, suggesting that its stock price is 80% less volatile than the S&P 500.

Earnings & Valuation

This table compares Carter Bankshares and Jeffersonville Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carter Bankshares	$254.63 million	1.71	$31.00 million	$1.38	14.21
Jeffersonville Bancorp	$34.26 million	3.33	$12.55 million	$2.97	9.09

Carter Bankshares has higher revenue and earnings than Jeffersonville Bancorp. Jeffersonville Bancorp is trading at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Carter Bankshares and Jeffersonville Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Carter Bankshares	0	1	2	1	3.00
Jeffersonville Bancorp	0	0	0	0	0.00

Carter Bankshares presently has a consensus price target of $22.00, indicating a potential upside of 12.19%. Given Carter Bankshares’ stronger consensus rating and higher probable upside, research analysts plainly believe Carter Bankshares is more favorable than Jeffersonville Bancorp.

Summary

Carter Bankshares beats Jeffersonville Bancorp on 9 of the 15 factors compared between the two stocks.

About Carter Bankshares

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

About Jeffersonville Bancorp

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, and NOW, as well as demand and time deposits. It also offers commercial mortgage, farmland, construction, real estate, agricultural, residential mortgage, home equity, consumer, installment, and other consumer loans. The company was founded in 1913 and is based in Jeffersonville, New York.