Analyzing VSB Bancorp (OTCMKTS:VSBN) and Carter Bank and Trust (OTCMKTS:CARE)

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

Earnings and Valuation

This table compares VSB Bancorp and Carter Bank and Trust’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
VSB Bancorp $15.76 million 2.36 $3.26 million N/A N/A
Carter Bank and Trust $169.01 million 3.08 $11.90 million N/A N/A

Carter Bank and Trust has higher revenue and earnings than VSB Bancorp.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for VSB Bancorp and Carter Bank and Trust, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
VSB Bancorp 0 0 0 0 N/A
Carter Bank and Trust 0 2 0 0 2.00

Carter Bank and Trust has a consensus target price of $21.50, indicating a potential upside of 8.64%. Given Carter Bank and Trust’s higher probable upside, analysts plainly believe Carter Bank and Trust is more favorable than VSB Bancorp.

Dividends

VSB Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 2.6%. Carter Bank and Trust does not pay a dividend.

Profitability

This table compares VSB Bancorp and Carter Bank and Trust’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
VSB Bancorp 18.76% 8.64% 0.79%
Carter Bank and Trust N/A N/A N/A

Insider & Institutional Ownership

3.4% of VSB Bancorp shares are owned by institutional investors. Comparatively, 16.2% of Carter Bank and Trust shares are owned by institutional investors. 30.0% of VSB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

About VSB Bancorp

VSB Bancorp, Inc. operates as the holding company for Victory State Bank that provides commercial and retail banking products and services primarily in Staten Island, New York. It accepts various deposits from individuals and businesses; grants loans; and invests funds primarily in government securities, mortgage backed securities, and collateralized mortgage obligations, as well as provides Internet banking services. The operates five full service located in Great Kills, Forest Avenue, Hyatt Street, Hylan Boulevard, and Bay Street, Staten Island. VSB Bancorp, Inc. was founded in 1997 and is based in Staten Island, New York.

About Carter Bank and Trust

Carter Bank & Trust provides a range of retail and commercial banking products and services in Virginia and North Carolina. It accepts checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers loans, such as secured and unsecured commercial loans; secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. In addition, it provides safe deposit boxes, direct deposit of payroll and social security checks, and automated drafts for various accounts. As of December 31, 2018, the company operated 105 branches. Carter Bank & Trust is headquartered in Martinsville, Virginia.

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