The First Bancshares (OTCMKTS:FBSI) and Prudential Bancorp (NASDAQ:PBIP) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.
Insider and Institutional Ownership
5.6% of The First Bancshares shares are held by institutional investors. Comparatively, 39.7% of Prudential Bancorp shares are held by institutional investors. 5.5% of The First Bancshares shares are held by insiders. Comparatively, 5.5% of Prudential Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
This table compares The First Bancshares and Prudential Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|The First Bancshares||19.38%||N/A||N/A|
The First Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.6%. Prudential Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.2%.
Earnings and Valuation
This table compares The First Bancshares and Prudential Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|The First Bancshares||$16.13 million||2.35||$2.98 million||N/A||N/A|
|Prudential Bancorp||$37.35 million||3.84||$7.06 million||N/A||N/A|
Prudential Bancorp has higher revenue and earnings than The First Bancshares.
Volatility & Risk
The First Bancshares has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500. Comparatively, Prudential Bancorp has a beta of -0.01, indicating that its stock price is 101% less volatile than the S&P 500.
This is a breakdown of recent recommendations for The First Bancshares and Prudential Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|The First Bancshares||0||0||0||0||N/A|
Prudential Bancorp beats The First Bancshares on 8 of the 11 factors compared between the two stocks.
About The First Bancshares
First Bancshares, Inc. operates as a bank holding company for the Stockmens bank that provides various banking and mortgage services to individual and corporate customers in southern Missouri, eastern Colorado, and southwestern Nebraska, the United States. The company provides account products, such as checking accounts that include check card checking, personal checking, non-personal checking, NOW, and money market accounts; savings accounts; and individual retirement accounts, as well as certificates of deposit. It also offers real estate loans, including one-to-four family residential mortgage, multi-family residential, commercial real estate, agricultural real estate, and home equity loans, as well as non-real estate loans, such as commercial business, agricultural business, and consumer loans; debit cards; safety deposit boxes; and online banking services, as well as invests in mortgage-back securities, government and agency securities, and other assets. The company serves customers through its home office and nine full service branches. First Bancshares, Inc. was incorporated in 1993 and is headquartered in Mountain Grove, Missouri.
About Prudential Bancorp
Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services. The company accepts interest-bearing and non-interest-bearing checking, money market, savings, and certificates of deposit accounts. Its loan portfolio comprises single-family residential mortgage loans, construction and land development loans, non-residential or commercial real estate mortgage loans, home equity loans and lines of credit, and commercial business loans, as well as consumer loans, such as loans secured by deposit accounts and unsecured personal loans. The company also manages a portfolio of investment and mortgage-backed securities; and provides ATM, and online and mobile banking services. As of November 30, 2018, it operated a main office in Philadelphia, Pennsylvania, as well as 9 additional full-service financial centers, including 7 in Philadelphia; 1 in Drexel Hill, Delaware County; and 1 in Huntingdon Valley, Montgomery County, Pennsylvania. Prudential Bancorp, Inc. was founded in 1886 and is based in Philadelphia, Pennsylvania.
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