Reviewing Elmira Savings Bank (ESBK) and Eagle Bancorp (EGBN)

Elmira Savings Bank (NASDAQ:ESBK) and Eagle Bancorp (NASDAQ:EGBN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, valuation and earnings.

Dividends

Elmira Savings Bank pays an annual dividend of $0.92 per share and has a dividend yield of 4.6%. Eagle Bancorp does not pay a dividend.

Risk and Volatility

Elmira Savings Bank has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500. Comparatively, Eagle Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Valuation & Earnings

This table compares Elmira Savings Bank and Eagle Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Elmira Savings Bank $25.98 million 2.66 $4.85 million N/A N/A
Eagle Bancorp $353.41 million 5.57 $100.23 million $3.35 17.11

Eagle Bancorp has higher revenue and earnings than Elmira Savings Bank.

Insider & Institutional Ownership

16.3% of Elmira Savings Bank shares are held by institutional investors. Comparatively, 68.4% of Eagle Bancorp shares are held by institutional investors. 7.7% of Eagle Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Elmira Savings Bank and Eagle Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Elmira Savings Bank 18.78% N/A N/A
Eagle Bancorp 31.86% 14.14% 1.83%

Analyst Ratings

This is a summary of recent ratings for Elmira Savings Bank and Eagle Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Elmira Savings Bank 0 0 0 0 N/A
Eagle Bancorp 0 0 4 0 3.00

Eagle Bancorp has a consensus target price of $69.06, indicating a potential upside of 20.46%. Given Eagle Bancorp’s higher probable upside, analysts plainly believe Eagle Bancorp is more favorable than Elmira Savings Bank.

Summary

Eagle Bancorp beats Elmira Savings Bank on 11 of the 13 factors compared between the two stocks.

Elmira Savings Bank Company Profile

Elmira Savings Bank provides banking products and services to individual and commercial customers. It accepts deposit products, such as savings and money market accounts, individual retirement arrangements, time deposits, retail and commercial checking accounts, NOW accounts, and certificates of deposit. The company also provides auto, truck, and motorcycle loans; personal loans; boats, recreational vehicles, and other outdoor sports equipment loans; home improvement/equity loans; jacuzzi/hot tub/pool loans; lines of credit; commercial real estate mortgages; commercial loans, including term and time loans, and small business administration loans; mortgage loans secured by first and second liens on one-to-four family residences; merchant services; and financial planning advisory services. In addition, it offers financial planning advisory services; online, mobile, and telephone banking services; overdraft protection; safe deposit boxes; notary public services; and funds transfer services, as well as operates a real estate investment trust. The company operates through a network of 13 full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; 1 limited service office located in Tompkins County; and 1 limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

Eagle Bancorp Company Profile

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. It accepts business and personal checking, NOW, tiered savings, and money market accounts, as well as individual retirement and investment sweep accounts; and time deposits. The company also offers various commercial and consumer lending products comprising commercial loans for working capital, equipment purchases, real estate lines of credit, and government contract financing; asset based lending and accounts receivable financing; construction and commercial real estate loans; business equipment financing; consumer home equity lines of credit, personal lines of credit, and term loans; consumer installment loans, such as auto and personal loans; personal credit cards; residential mortgage loans; and real estate secured loans. In addition, it provides online and mobile banking services; other services, including cash management services, business sweep accounts, lock boxes, remote deposit captures, account reconciliation services, merchant card services, safety deposit boxes, and automated clearing house origination, as well as after-hours depositories and ATM services. Further, it provides commercial and retail insurance products through a referral arrangement. The company serves sole proprietorships, small and medium-sized businesses, partnerships, corporations, non-profit organizations, associations, and individuals, as well as investors. It operates 20 banking offices comprising 6 in Suburban Maryland, 5 in the District of Columbia, and 9 in Northern Virginia. Eagle Bancorp, Inc. was founded in 1997 and is headquartered in Bethesda, Maryland.

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