BV Financial (NASDAQ:BVFL – Get Free Report) and South Plains Financial (NASDAQ:SPFI – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, dividends, earnings, institutional ownership and profitability.
Volatility & Risk
BV Financial has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent recommendations for BV Financial and South Plains Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BV Financial | 0 | 0 | 1 | 0 | 3.00 |
| South Plains Financial | 0 | 1 | 6 | 0 | 2.86 |
Valuation and Earnings
This table compares BV Financial and South Plains Financial”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BV Financial | $40.39 million | 4.48 | $13.49 million | $1.52 | 14.05 |
| South Plains Financial | $296.89 million | 2.88 | $58.47 million | $3.67 | 12.36 |
South Plains Financial has higher revenue and earnings than BV Financial. South Plains Financial is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares BV Financial and South Plains Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BV Financial | 25.01% | 9.31% | 1.91% |
| South Plains Financial | 20.79% | 12.36% | 1.37% |
Institutional & Insider Ownership
42.7% of BV Financial shares are owned by institutional investors. Comparatively, 54.9% of South Plains Financial shares are owned by institutional investors. 15.7% of BV Financial shares are owned by company insiders. Comparatively, 24.3% of South Plains Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Summary
South Plains Financial beats BV Financial on 9 of the 14 factors compared between the two stocks.
About BV Financial
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
About South Plains Financial
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company was founded in 1941 and is headquartered in Lubbock, Texas.
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