First Guaranty Bancshares (NASDAQ:FGBI) and Bancorp 34 (NASDAQ:BCTF) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, institutional ownership, dividends, valuation, analyst recommendations, earnings and risk.
Valuation & Earnings
This table compares First Guaranty Bancshares and Bancorp 34’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Guaranty Bancshares||$83.67 million||2.20||$14.21 million||N/A||N/A|
|Bancorp 34||$32.81 million||1.55||$1.07 million||N/A||N/A|
First Guaranty Bancshares has higher revenue and earnings than Bancorp 34.
Insider and Institutional Ownership
11.4% of First Guaranty Bancshares shares are held by institutional investors. Comparatively, 14.0% of Bancorp 34 shares are held by institutional investors. 41.4% of First Guaranty Bancshares shares are held by insiders. Comparatively, 6.7% of Bancorp 34 shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
This is a summary of recent ratings and target prices for First Guaranty Bancshares and Bancorp 34, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Guaranty Bancshares||0||1||0||0||2.00|
First Guaranty Bancshares presently has a consensus price target of $28.00, suggesting a potential upside of 33.33%. Given First Guaranty Bancshares’ higher possible upside, research analysts clearly believe First Guaranty Bancshares is more favorable than Bancorp 34.
First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. Bancorp 34 does not pay a dividend.
This table compares First Guaranty Bancshares and Bancorp 34’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Guaranty Bancshares||15.79%||9.39%||0.76%|
Risk and Volatility
First Guaranty Bancshares has a beta of 0.36, suggesting that its share price is 64% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500.
First Guaranty Bancshares beats Bancorp 34 on 9 of the 12 factors compared between the two stocks.
First Guaranty Bancshares Company Profile
First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services to businesses, professionals, and individuals in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits. The company also provides loans, such as non-farm non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, construction and land development loans, agricultural loans, farmland loans, consumer and other loans, and multifamily loans. In addition, it offers a range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, Internet banking, automated teller machines, online bill pay, mobile banking, and lockbox services. The company operates through 27 banking facilities located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Dallas-Fort Worth-Arlington, and Waco. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.
Bancorp 34 Company Profile
Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and certificates of deposit, as well as commercial checking accounts and related services, including online cash management. The company also originates commercial real estate loans, multi-family real estate loans, commercial and industrial loans, construction and land development loans, one- to four-family residential real estate loans, and consumer and other loans. It operates 4 full-service banking centers, including 1 each in Otero and Dona Ana Counties, New Mexico; and 2 in Maricopa County, Arizona, as well as 10 residential mortgage and commercial loan production offices in Texas, Arizona, New Mexico, Oregon, and Washington. Bancorp 34, Inc. was founded in 1934 and is headquartered in Alamogordo, New Mexico.
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