Community First Bancshares (NASDAQ:CFBI) and SEC BANCORP INC/SH SH (OTCMKTS:SCYT) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, valuation, risk and analyst recommendations.
This table compares Community First Bancshares and SEC BANCORP INC/SH SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community First Bancshares||1.35%||0.27%||0.07%|
|SEC BANCORP INC/SH SH||N/A||N/A||N/A|
This is a summary of recent ratings and price targets for Community First Bancshares and SEC BANCORP INC/SH SH, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community First Bancshares||0||0||0||0||N/A|
|SEC BANCORP INC/SH SH||0||0||0||0||N/A|
SEC BANCORP INC/SH SH pays an annual dividend of $1.00 per share and has a dividend yield of 1.7%. Community First Bancshares does not pay a dividend.
Insider & Institutional Ownership
2.0% of Community First Bancshares shares are held by institutional investors. 1.4% of Community First Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Community First Bancshares and SEC BANCORP INC/SH SH’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community First Bancshares||$13.68 million||5.98||N/A||N/A||N/A|
|SEC BANCORP INC/SH SH||N/A||N/A||N/A||N/A||N/A|
Volatility & Risk
Community First Bancshares has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, SEC BANCORP INC/SH SH has a beta of 0.06, suggesting that its stock price is 94% less volatile than the S&P 500.
Community First Bancshares beats SEC BANCORP INC/SH SH on 7 of the 8 factors compared between the two stocks.
About Community First Bancshares
Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through a main office and two branch offices in Covington, Georgia; and a loan production office in Bogart, Georgia. The company was founded in 1928 and is based in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.
About SEC BANCORP INC/SH SH
Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank of McMinnville that provides banking, financial, and mortgage services to individual and corporate customers primarily in Warren County, Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposits. It also offers consumer loans comprising installment loans, home equity lines of credit, home loans, and mortgage loans; and commercial loans, including installment loans and lines of credit loans. In addition, the company provides trust/investment services; annuities and mutual funds; insurance products, such as credit life, accident and health, mortgage protection, and term life insurance products; and Internet and mobile banking services. It operates three full-service bank locations and four ATM locations in Warren County. Security Bancorp, Inc. was founded in 1960 is headquartered in McMinnville, Tennessee.
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