Head-To-Head Review: MSB Financial (NASDAQ:MSBF) versus Farmers & Merchants Bancorp, Inc. (OH) (NASDAQ:FMAO)

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MSB Financial (NASDAQ:MSBF) and Farmers & Merchants Bancorp, Inc. (OH) (NASDAQ:FMAO) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, earnings, valuation, institutional ownership, profitability, risk and analyst recommendations.

Dividends

Farmers & Merchants Bancorp, Inc. (OH) pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. MSB Financial does not pay a dividend. Farmers & Merchants Bancorp, Inc. (OH) pays out 35.7% of its earnings in the form of a dividend.

Institutional and Insider Ownership

21.8% of MSB Financial shares are held by institutional investors. Comparatively, 15.8% of Farmers & Merchants Bancorp, Inc. (OH) shares are held by institutional investors. 7.5% of MSB Financial shares are held by insiders. Comparatively, 10.0% of Farmers & Merchants Bancorp, Inc. (OH) shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares MSB Financial and Farmers & Merchants Bancorp, Inc. (OH)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MSB Financial 17.44% 6.36% 0.74%
Farmers & Merchants Bancorp, Inc. (OH) 23.20% 10.16% 1.35%

Valuation & Earnings

This table compares MSB Financial and Farmers & Merchants Bancorp, Inc. (OH)’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MSB Financial $24.15 million 3.31 $4.84 million N/A N/A
Farmers & Merchants Bancorp, Inc. (OH) $57.29 million 5.44 $14.95 million $1.68 16.69

Farmers & Merchants Bancorp, Inc. (OH) has higher revenue and earnings than MSB Financial.

Analyst Recommendations

This is a summary of recent recommendations and price targets for MSB Financial and Farmers & Merchants Bancorp, Inc. (OH), as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MSB Financial 0 0 0 0 N/A
Farmers & Merchants Bancorp, Inc. (OH) 0 1 0 0 2.00

Volatility & Risk

MSB Financial has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp, Inc. (OH) has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.

Summary

Farmers & Merchants Bancorp, Inc. (OH) beats MSB Financial on 8 of the 12 factors compared between the two stocks.

MSB Financial Company Profile

MSB Financial Corp. operates as the bank holding company for Millington Bank that provides various banking products and services in New Jersey. The company offers deposit products, including checking accounts; savings accounts, such as regular passbook, statement, money market, and club accounts, as well as six-level tiered savings accounts; certificates of deposit; and fixed or variable rate individual retirement accounts. Its loan portfolio comprises one-to four-family real estate mortgage loans, commercial and multi-family real estate mortgage loans, construction loans, commercial and industrial loans, and home equity loans and lines of credit, as well as consumer loans consisting of new and used automobile loans, secured and unsecured personal loans, account loans, and overdraft lines of credit. The company was founded in 1911 and is based in Millington, New Jersey.

Farmers & Merchants Bancorp, Inc. (OH) Company Profile

Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking, retail banking, and other financial products and services to individuals and small businesses in northwest Ohio and northeast Indiana. The company offers checking accounts; savings and time deposits, including certificates of deposit; and custodial services for individual retirement accounts and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer and credit card lending products; loans for farm land, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvements loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as operation lines of credit and machinery purchase loans; and agricultural and consumer real estate, commercial and industrial, agricultural, and consumer loans, as well as industrial development bonds. Further, it provides automated teller machine services; and online banking, remote deposit capture or electronic deposit processing, merchant credit card, and mobile banking services. As of February 13, 2019, the company operated through 30 offices. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is based in Archbold, Ohio.

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