Bancorp 34 (NASDAQ:BCTF) and PB Bancorp (NASDAQ:PBBI) Head-To-Head Review

Bancorp 34 (NASDAQ:BCTF) and PB Bancorp (NASDAQ:PBBI) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, profitability, analyst recommendations, institutional ownership, earnings, risk and valuation.

Volatility and Risk

Bancorp 34 has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500. Comparatively, PB Bancorp has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500.

Valuation & Earnings

This table compares Bancorp 34 and PB Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp 34 $32.81 million 1.58 $1.07 million N/A N/A
PB Bancorp $20.09 million 4.23 $3.12 million N/A N/A

PB Bancorp has lower revenue, but higher earnings than Bancorp 34.

Profitability

This table compares Bancorp 34 and PB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bancorp 34 2.26% 1.60% 0.20%
PB Bancorp 20.09% 5.01% 0.81%

Dividends

Bancorp 34 pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%. PB Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 2.5%. PB Bancorp has increased its dividend for 2 consecutive years. PB Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Bancorp 34 and PB Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 34 0 0 0 0 N/A
PB Bancorp 0 0 0 0 N/A

Insider & Institutional Ownership

14.7% of Bancorp 34 shares are owned by institutional investors. Comparatively, 36.3% of PB Bancorp shares are owned by institutional investors. 6.4% of Bancorp 34 shares are owned by company insiders. Comparatively, 10.9% of PB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

PB Bancorp beats Bancorp 34 on 9 of the 12 factors compared between the two stocks.

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.

PB Bancorp Company Profile

PB Bancorp, Inc. operates as the holding company of Putnam Bank that provides various banking products and services to individuals and small business customers primarily in Connecticut. It offers a range of deposits, including checking, savings, and money market deposit accounts, as well as negotiable order of withdrawal accounts and fixed-term certificates of deposit. The company's loan portfolio comprises residential real estate loans, including one-to four-family mortgage loans, residential construction loans, second mortgage loans, and home equity lines of credit; commercial real estate loans comprising multi-family real estate loans; commercial loans, such as term loans and revolving lines of credit; and consumer and other loans. In addition, it invests in securities. As of October 4, 2018, PB Bancorp, Inc. operated through its eight full-service offices and a full-service loan center in Putnam, Connecticut. It also operates through a special needs limited branch and limited services mobile office. The company was founded in 1862 and is headquartered in Putnam, Connecticut.

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