Critical Contrast: Farmers & Merchants Bancorp, Inc. (OH) (NASDAQ:FMAO) versus WCF Bancorp (NASDAQ:WCFB)

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

Dividends

Farmers & Merchants Bancorp, Inc. (OH) pays an annual dividend of $0.60 per share and has a dividend yield of 2.4%. WCF Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. Farmers & Merchants Bancorp, Inc. (OH) pays out 35.7% of its earnings in the form of a dividend.

Profitability

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

Net Margins Return on Equity Return on Assets
Farmers & Merchants Bancorp, Inc. (OH) 23.86% 9.22% 1.28%
WCF Bancorp -1.40% -0.24% -0.05%

Valuation and Earnings

This table compares Farmers & Merchants Bancorp, Inc. (OH) and WCF Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Farmers & Merchants Bancorp, Inc. (OH) $57.29 million 4.95 $14.95 million $1.68 15.18
WCF Bancorp $5.07 million 4.18 $230,000.00 N/A N/A

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

Institutional & Insider Ownership

18.3% of Farmers & Merchants Bancorp, Inc. (OH) shares are owned by institutional investors. Comparatively, 21.3% of WCF Bancorp shares are owned by institutional investors. 10.0% of Farmers & Merchants Bancorp, Inc. (OH) shares are owned by insiders. Comparatively, 0.8% of WCF Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Volatility & Risk

Farmers & Merchants Bancorp, Inc. (OH) has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, WCF Bancorp has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations and price targets for Farmers & Merchants Bancorp, Inc. (OH) and WCF Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Farmers & Merchants Bancorp, Inc. (OH) 0 2 0 0 2.00
WCF Bancorp 0 0 0 0 N/A

Given Farmers & Merchants Bancorp, Inc. (OH)’s higher probable upside, research analysts clearly believe Farmers & Merchants Bancorp, Inc. (OH) is more favorable than WCF Bancorp.

Summary

Farmers & Merchants Bancorp, Inc. (OH) beats WCF Bancorp on 9 of the 12 factors compared between the two stocks.

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.

WCF Bancorp Company Profile

WCF Bancorp, Inc. operates as the savings and loan holding company for WCF Financial Bank that various banking products and services. The company accepts deposit accounts, such as statement savings, money market, and NOW accounts; and certificates of deposit. Its loan products include one-to-four family residential real estate loans; non-owner occupied one-to-four family residential real estate loans; commercial real estate loans; and consumer loans comprising new and used automobile loans, home improvement and home equity loans, recreational vehicle loans, and loans secured by certificates of deposits. The company also invests in securities. It operates one full-service branch in Independence, Iowa. WCF Bancorp, Inc. is based in Webster City, Iowa.

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