Severn Bancorp (NASDAQ:SVBI) and Pacific Valley Bank (OTCMKTS:PVBK) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, analyst recommendations, valuation, dividends, risk and profitability.
This is a summary of recent ratings and recommmendations for Severn Bancorp and Pacific Valley Bank, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pacific Valley Bank||0||0||0||0||N/A|
Risk and Volatility
Severn Bancorp has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, Pacific Valley Bank has a beta of 0.12, indicating that its share price is 88% less volatile than the S&P 500.
Earnings and Valuation
This table compares Severn Bancorp and Pacific Valley Bank’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Severn Bancorp||$37.46 million||2.78||$2.81 million||N/A||N/A|
|Pacific Valley Bank||N/A||N/A||N/A||N/A||N/A|
Severn Bancorp has higher revenue and earnings than Pacific Valley Bank.
This table compares Severn Bancorp and Pacific Valley Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pacific Valley Bank||N/A||N/A||N/A|
Severn Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.5%. Pacific Valley Bank does not pay a dividend.
Insider & Institutional Ownership
20.1% of Severn Bancorp shares are owned by institutional investors. 17.4% of Severn Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Severn Bancorp beats Pacific Valley Bank on 8 of the 8 factors compared between the two stocks.
About Severn Bancorp
Severn Bancorp, Inc. operates as the holding company for Severn Savings Bank, FSB that provides a range of personal and commercial banking products and services in Maryland, Delaware, and Virginia. The company's deposit products include checking, savings, money market, time deposit, and individual retirement accounts. Its loan portfolio comprises residential mortgage loans; commercial real estate loans; construction and land acquisition, and development loans for the construction of one-to-four family dwellings; commercial construction loans; land loans; residential lot loans; business and commercial loans; and home equity loans, home equity lines of credit, and other consumer loans. The company also offers cash management, ATM, credit and debit card, safe deposit box, Internet and telephone banking, and other products and services. In addition, it provides commercial real estate brokerage and property management services, as well as acquires real estate for syndication and investment purposes. The company operates through five branches in Anne Arundel County, Maryland. Severn Bancorp, Inc. was founded in 1946 and is headquartered in Annapolis, Maryland.
About Pacific Valley Bank
Pacific Valley Bank provides personal and business banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides business and consumer loans; debit cards; and online and mobile banking, bill pay, remote deposit capture, and bank to bank transfer services, as well as e-statements and order checks. The company was founded in 2004 and is based in Salinas, California.
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