FFD Financial (OTCMKTS:FFDF) and Bancorp 34 (NASDAQ:BCTF) 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, profitability, dividends, institutional ownership, valuation, earnings and analyst recommendations.
Risk and Volatility
FFD Financial has a beta of 0.01, meaning that its share price is 99% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500.
This table compares FFD Financial and Bancorp 34’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|FFD Financial||$16.22 million||3.25||$4.87 million||N/A||N/A|
|Bancorp 34||$32.81 million||1.58||$1.07 million||N/A||N/A|
FFD Financial has higher earnings, but lower revenue than Bancorp 34.
FFD Financial pays an annual dividend of $1.60 per share and has a dividend yield of 3.0%. Bancorp 34 pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%.
This table compares FFD Financial and Bancorp 34’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of recent ratings and price targets for FFD Financial and Bancorp 34, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Insider & Institutional Ownership
2.4% of FFD Financial shares are held by institutional investors. Comparatively, 14.8% of Bancorp 34 shares are held by institutional investors. 11.5% of FFD Financial shares are held by insiders. Comparatively, 6.4% of Bancorp 34 shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Bancorp 34 beats FFD Financial on 6 of the 10 factors compared between the two stocks.
FFD Financial Company Profile
FFD Financial Corporation operates as the holding company for First Federal Community Bank, National Association that provides banking products and services. It offers various deposit products, including checking, savings, money market, health savings, and club accounts, as well as certificates of deposit and individual retirement accounts. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, personal loans, 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, night depository, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. It operates branches in Dover, New Philadelphia, Boulevard, Sugarcreek, Berlin, and Mt. Hope. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.
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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