Poage Bankshares (NASDAQ:PBSK) and FFD Financial (OTCMKTS:FFDF) 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, profitability, analyst recommendations, valuation, institutional ownership, dividends and risk.
Risk and Volatility
Poage Bankshares has a beta of 0.24, indicating that its share price is 76% less volatile than the S&P 500. Comparatively, FFD Financial has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500.
This table compares Poage Bankshares and FFD Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Poage Bankshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. FFD Financial pays an annual dividend of $1.60 per share and has a dividend yield of 3.1%.
Valuation & Earnings
This table compares Poage Bankshares and FFD Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Poage Bankshares||$21.68 million||4.08||-$2.86 million||N/A||N/A|
FFD Financial has lower revenue, but higher earnings than Poage Bankshares.
This is a summary of recent ratings and recommmendations for Poage Bankshares and FFD Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Insider & Institutional Ownership
33.5% of Poage Bankshares shares are held by institutional investors. 11.1% of Poage Bankshares shares are held by company insiders. Comparatively, 11.5% of FFD Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
FFD Financial beats Poage Bankshares on 5 of the 8 factors compared between the two stocks.
Poage Bankshares Company Profile
Poage Bankshares, Inc. operates as a savings and loan holding company for Town Square Bank that provides financial services to individuals, families, and businesses. The company accepts various deposit products, including savings accounts, NOW and demand accounts, business checking accounts, certificates of deposits, money market accounts, and retirement accounts. It also offers one-to-four family residential mortgage loans; commercial and multi-family real estate loans; commercial and industrial loans; consumer loans comprising new and used automobile and truck loans, recreational vehicle loans, and personal loans; home equity loans and lines of credit; commercial business loans; and construction and land loans. In addition, Poage Bankshares, Inc. purchases investment securities comprising mortgage-backed securities. Further, the company operates automated teller machines; and offers debit cards, and online and mobile banking services. It operates nine offices in northeastern Kentucky; and a loan production office in Cincinnati, Ohio. The company was founded in 1889 and is headquartered in Ashland, Kentucky.
FFD Financial Company Profile
FFD Financial Corporation operates as holding company for First Federal Community Bank, National Association that provides personal and business banking products and services. It offers various deposit products, including checking, savings, money market, individual retirement, health savings, and club accounts, as well as certificates of deposits and simplified employee pension services. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, business term loans and lines of credit, commercial real estate loans, and equipment loans; and credit and debit cards. In addition, it offers online banking and bill pay, e-statement, overdraft protection, mobile banking, night depository, cash management, wire transfer, safe deposit box, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. As of October 18, 2017, it operated full service offices in Dover, New Philadelphia, on the Boulevard in Dover, Sugarcreek, Berlin, and Mt. Hope. The company was founded in 1898 and is based in Dover, Ohio.
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