Limestone Bancorp (NASDAQ:LMST) vs. Centerstate Bank (NASDAQ:CSFL) Head to Head Analysis

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Limestone Bancorp (NASDAQ:LMST) and Centerstate Bank (NASDAQ:CSFL) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, earnings, profitability and institutional ownership.

Profitability

This table compares Limestone Bancorp and Centerstate Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Limestone Bancorp 18.85% 10.31% 0.88%
Centerstate Bank 27.51% 10.11% 1.58%

Risk and Volatility

Limestone Bancorp has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, Centerstate Bank has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500.

Institutional and Insider Ownership

26.7% of Limestone Bancorp shares are held by institutional investors. Comparatively, 61.4% of Centerstate Bank shares are held by institutional investors. 17.0% of Limestone Bancorp shares are held by insiders. Comparatively, 1.8% of Centerstate Bank 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.

Valuation and Earnings

This table compares Limestone Bancorp and Centerstate Bank’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Limestone Bancorp $49.24 million 1.91 $8.79 million $1.23 12.24
Centerstate Bank $565.76 million 5.19 $156.43 million N/A N/A

Centerstate Bank has higher revenue and earnings than Limestone Bancorp.

Dividends

Centerstate Bank pays an annual dividend of $0.44 per share and has a dividend yield of 2.0%. Limestone Bancorp does not pay a dividend. Centerstate Bank has increased its dividend for 3 consecutive years.

Analyst Recommendations

This is a summary of recent ratings for Limestone Bancorp and Centerstate Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Limestone Bancorp 0 0 1 0 3.00
Centerstate Bank 0 0 4 0 3.00

Centerstate Bank has a consensus target price of $28.75, suggesting a potential upside of 27.89%. Given Centerstate Bank’s higher probable upside, analysts clearly believe Centerstate Bank is more favorable than Limestone Bancorp.

Summary

Centerstate Bank beats Limestone Bancorp on 11 of the 13 factors compared between the two stocks.

Limestone Bancorp Company Profile

Limestone Bancorp, Inc. operates as the bank holding company for Limestone Bank, Inc. that provides a range of commercial and personal banking products and services. The company offers deposit products, including checking, savings, and term certificate accounts, as well as money market accounts and fixed rate certificates. It also provides commercial loans for equipment purchases, working capital, and other financing needs of business enterprises; and commercial real estate loans that include loans on properties occupied by borrowers and tenants, as well as construction and development loans secured by land under development, or homes and commercial buildings under construction. In addition, the company offers residential real estate loans; consumer loans; agriculture loans secured by livestock, crops, and equipment; and other loans, including loans to municipalities, loans secured by stock, and overdrafts. Further, it provides drive-through banking facilities, automatic teller machines, personalized checks, credit and debit cards, electronic funds transfers through ACH services, domestic and foreign wire transfers, and loan and deposit sweep accounts; and night depository, Internet and mobile banking, treasury management, remote deposit, cash management, and vault services. The company primarily serves small to medium-sized businesses, and business owners and employees, as well as other executives and professionals. It operates 15 banking offices in 12 counties in Kentucky. The company was formerly known as Porter Bancorp, Inc. and changed its name to Limestone Bancorp, Inc. in May 2018. Limestone Bancorp, Inc. was founded in 1902 and is headquartered in Louisville, Kentucky.

Centerstate Bank Company Profile

CenterState Bank Corporation operates as the holding company for CenterState Bank, N.A. that provides various consumer and commercial banking services to individuals, businesses, and industries. The company accepts various deposit products, such as savings, demand, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and time deposits. Its loan products include real estate loans to individuals and businesses for the purchase, improvement of, or investment in real estate; construction of single-family residential and commercial units; and development of single-family residential building lots. The company's loan products also comprise commercial loans to small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; and consumer loans consisting of loans to individuals for various consumer purposes, as well as business purpose loans. It also offers mutual funds, annuities, and other investment products. In addition, the company sells fixed income securities; and provides hedging, loan brokerage, correspondent bank deposits, safe-keeping, bond accounting, asset/liability consulting, international wires, clearing and corporate checking account, and other correspondent banking related services. As of December 31, 2018, it operated 126 full service banking offices throughout Florida, Georgia, and Alabama; 1 loan production office in Florida; and 1 loan production office in Macon, Georgia. The company was formerly known as CenterState Banks, Inc. and changed its name to CenterState Bank Corporation in September 2017. CenterState Bank Corporation was founded in 1989 and is headquartered in Winter Haven, Florida.

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