Contrasting 1st Capital Bank (FISB) and National Commerce (NCOM)

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National Commerce (NASDAQ:NCOM) and 1st Capital Bank (OTCMKTS:FISB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, valuation, risk, institutional ownership, dividends, profitability and analyst recommendations.

Profitability

This table compares National Commerce and 1st Capital Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
National Commerce 22.22% 8.32% 1.36%
1st Capital Bank N/A N/A N/A

Institutional & Insider Ownership

50.9% of National Commerce shares are owned by institutional investors. Comparatively, 5.7% of 1st Capital Bank shares are owned by institutional investors. 14.2% of National Commerce shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and recommmendations for National Commerce and 1st Capital Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Commerce 0 2 1 0 2.33
1st Capital Bank 0 0 0 0 N/A

National Commerce currently has a consensus target price of $42.00, indicating a potential upside of 3.16%. Given National Commerce’s higher probable upside, equities research analysts clearly believe National Commerce is more favorable than 1st Capital Bank.

Valuation and Earnings

This table compares National Commerce and 1st Capital Bank’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
National Commerce $190.94 million 4.43 $42.44 million $2.49 16.35
1st Capital Bank N/A N/A N/A N/A N/A

National Commerce has higher revenue and earnings than 1st Capital Bank.

Risk and Volatility

National Commerce has a beta of 1.19, suggesting that its stock price is 19% more volatile than the S&P 500. Comparatively, 1st Capital Bank has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500.

Summary

National Commerce beats 1st Capital Bank on 9 of the 9 factors compared between the two stocks.

National Commerce Company Profile

National Commerce Corporation operates as the bank holding company for National Bank of Commerce that provides various financial services to businesses, business owners, and professionals. The company offers deposit products, including interest and noninterest-bearing demand deposits, money market accounts, interest-bearing transaction accounts, savings and time deposits, checking accounts, and certificates of deposit, as well as negotiable orders of withdrawal accounts. It also provides real estate loans, such as commercial real estate term, residential mortgage, and construction and land development loans, as well as home equity lines of credit secured by residential property; commercial and industrial loans; and consumer loans to purchase automobiles and other consumer durable goods. In addition, the company provides factoring, invoicing, collection, and accounts receivable management services to transportation companies, and automotive parts and service providers; and electronic banking services, including commercial and retail online banking, automated bill payment, mobile banking, and remote deposit capture. The company offers its services through 7 full-service banking offices in Birmingham, Huntsville, Auburn-Opelika, and Baldwin County, Alabama; 21 full-service banking offices in central and northeast Florida, including United Legacy Bank, Reunion Bank of Florida, Patriot Bank, and FirstAtlantic Bank names; and 2 full-service banking offices and a loan production office in Atlanta, Georgia. National Commerce Corporation was founded in 2004 and is headquartered in Birmingham, Alabama.

1st Capital Bank Company Profile

1st Capital Bank provides various banking products and services to businesses, professionals, real estate investors, family commercial entities, and individuals in the central coast region of California. Its deposit products include personal and business checking, savings, money market, and certificates of deposit accounts, as well as individual retirement accounts and health savings accounts. The company also offers business loans and lines of credit, such as long term loans for fixed-asset purchases and permanent working capital, asset-based lines of credit to cover accounts receivables and inventory, short term lines of credit to support short-term seasonal working capital needs or inventory purchases, equipment financing, and acquisition financing; and commercial real estate loans comprising term loans for the purchase or refinance of commercial and multi-family residential properties; and personal loans for business owners. In addition, it provides agriculture and wine industry lending products, including long or short term loans for crops, orchards, winery, and vineyard development; real estate purchases or debt refinancing; machinery and equipment purchase; and building improvements, as well as lines of credit for seasonal needs. Further, the company offers small business administration and government guaranteed lending solutions; debit cards; cash management services that include ACH origination, online wire transfer, check reconciliation, merchant card, and remote deposit capture services; and remote check scanning, remote branch deposit, online banking, telephone banking, courier, electronic bill payment, mobile banking, and remote wire request services, as well as invests in securities. It operates through full service branch offices in Monterey, Salinas, King City, and San Luis Obispo, California. The company was incorporated in 2006 and is based in Salinas, California.

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