Critical Contrast: FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) and Idaho Independent Bank (OTCMKTS:IIBK)

FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) and Idaho Independent Bank (OTCMKTS:IIBK) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, valuation, earnings, profitability, analyst recommendations, dividends and institutional ownership.

Insider and Institutional Ownership

2.3% of FREEDOM BK OF V/SH SH shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares FREEDOM BK OF V/SH SH and Idaho Independent Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FREEDOM BK OF V/SH SH 1.54% 0.67% 0.08%
Idaho Independent Bank N/A N/A N/A

Valuation and Earnings

This table compares FREEDOM BK OF V/SH SH and Idaho Independent Bank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FREEDOM BK OF V/SH SH $25.57 million 2.52 $190,000.00 N/A N/A
Idaho Independent Bank N/A N/A $10.06 million N/A N/A

Idaho Independent Bank has lower revenue, but higher earnings than FREEDOM BK OF V/SH SH.

Risk and Volatility

FREEDOM BK OF V/SH SH has a beta of 0.3, indicating that its share price is 70% less volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of -0.15, indicating that its share price is 115% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for FREEDOM BK OF V/SH SH and Idaho Independent Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FREEDOM BK OF V/SH SH 0 0 0 0 N/A
Idaho Independent Bank 0 0 0 0 N/A

Summary

FREEDOM BK OF V/SH SH beats Idaho Independent Bank on 7 of the 8 factors compared between the two stocks.

FREEDOM BK OF V/SH SH Company Profile

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include consumer loans, such as installment loans, home equity line of credit, and mortgages for purchasing homes or refinancing existing mortgages; and commercial loans, including business installment loans, commercial line of credit, commercial real estate mortgages, and small business administration loans, as well as mortgage services. The company also provides credit and ATM/debit cards; insurance products; and online security, overdraft protection, notary, Merchant Visa and MasterCard agency, and online and telephone banking services, as well as wire transfers, ACH transactions, direct and night deposits, safe deposit boxes, cashier's checks, certified checks, money orders, and savings bonds. In addition, it acts as a broker-dealer in securities. The company operates through a network of branch offices located in Vienna, Fairfax, Reston, and Chantilly in Virginia. The Freedom Bank of Virginia is headquartered in Fairfax, Virginia.

Idaho Independent Bank Company Profile

Idaho Independent Bank, a state-chartered bank, provides commercial banking services to individual and business customers in Idaho. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as credit and debit cards; and loans comprising home mortgage loans, construction loans, home equity lines of credit, auto loans, personal lines of credit, business term loans, operating lines of credit, commercial real estate loans, secured personal loans, commercial real estate loans, and small business loans, as well as agricultural equipment loans, farm acquisition loans, and government guaranteed loans. It also provides cash management services, including express deposit, wire transfers, automated clearing house, sweep accounts, imaging, positive pay, and other payment services, as well as merchant services. In addition, the company offers online banking, bill pay, overdraft opt-in/out, e-statements, cashier's check, safe deposit box, and mobile banking services. It operates through three branches in Boise, as well as branches in Coeur d'Alene, Hayden, Meridian, Nampa, Caldwell, Mountain Home, Ketchum, and Star, Idaho. Idaho Independent Bank was founded in 1993 and is based in Coeur d'Alene, Idaho.

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