MSB Financial (NASDAQ:MSBF) and Madison County Financial (NASDAQ:MCBK) Head to Head Review

MSB Financial (NASDAQ:MSBF) and Madison County Financial (OTCMKTS:MCBK) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Analyst Ratings

This is a summary of current ratings and recommmendations for MSB Financial and Madison County Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MSB Financial 0 0 0 0 N/A
Madison County Financial 0 0 0 0 N/A

Institutional and Insider Ownership

21.6% of MSB Financial shares are owned by institutional investors. 7.5% of MSB Financial shares are owned by insiders. Comparatively, 16.9% of Madison County Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility and Risk

MSB Financial has a beta of 0.33, indicating that its share price is 67% less volatile than the S&P 500. Comparatively, Madison County Financial has a beta of 0.08, indicating that its share price is 92% less volatile than the S&P 500.

Earnings and Valuation

This table compares MSB Financial and Madison County Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MSB Financial $24.15 million 3.48 $4.84 million N/A N/A
Madison County Financial $19.41 million 3.64 $5.58 million N/A N/A

Madison County Financial has lower revenue, but higher earnings than MSB Financial.

Dividends

Madison County Financial pays an annual dividend of $0.51 per share and has a dividend yield of 1.9%. MSB Financial does not pay a dividend.

Profitability

This table compares MSB Financial and Madison County Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
MSB Financial 17.06% 6.38% 0.74%
Madison County Financial 27.40% 7.41% 1.33%

Summary

Madison County Financial beats MSB Financial on 7 of the 11 factors compared between the two stocks.

About MSB Financial

MSB Financial Corp. operates as the bank holding company for Millington Bank that provides various banking products and services in New Jersey. The company offers deposit products, including checking accounts; savings accounts, such as regular passbook, statement, money market, and club accounts, as well as six-level tiered savings accounts; certificates of deposit; and fixed or variable rate individual retirement accounts. Its loan portfolio comprises one-to four-family real estate mortgage loans, commercial and multi-family real estate mortgage loans, construction loans, commercial and industrial loans, and home equity loans and lines of credit, as well as consumer loans consisting of new and used automobile loans, secured and unsecured personal loans, account loans, and overdraft lines of credit. The company was founded in 1911 and is based in Millington, New Jersey.

About Madison County Financial

Madison County Financial, Inc. operates as the holding company for Madison County Bank, provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers deposits, such as checking accounts, savings accounts, and certificates of deposit, and time deposits; debt securities; and debit cards. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; real estate, construction, investment property, and working capital loans, as well as equipment financing; residential mortgage loans, including conventional, portfolio, and construction home loans; government loans; home equity lines of credit; second mortgages; and home improvement, automobiles, trucks and vans, recreational vehicles, and personal loans, as well as overdraft protection services. In addition, it provides online banking, such as mobile banking and deposit, bill pay, and estatement services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.

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