Analyzing FSB Bancorp (NASDAQ:FSBC) & Madison County Financial (NASDAQ:MCBK)

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

Profitability

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

Net Margins Return on Equity Return on Assets
FSB Bancorp -0.30% -0.15% -0.01%
Madison County Financial 27.40% 7.41% 1.33%

Institutional and Insider Ownership

21.0% of FSB Bancorp shares are owned by institutional investors. 9.2% of FSB Bancorp shares are owned by company insiders. Comparatively, 16.9% of Madison County Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares FSB Bancorp and Madison County Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FSB Bancorp $15.26 million 2.16 $140,000.00 N/A N/A
Madison County Financial $19.41 million 3.60 $5.58 million N/A N/A

Madison County Financial has higher revenue and earnings than FSB Bancorp.

Analyst Recommendations

This is a summary of recent ratings and target prices for FSB Bancorp and Madison County Financial, as provided by MarketBeat.com.

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

Dividends

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

Volatility and Risk

FSB Bancorp has a beta of 0.88, indicating that its share price is 12% less volatile than the S&P 500. Comparatively, Madison County Financial has a beta of 0.07, indicating that its share price is 93% less volatile than the S&P 500.

Summary

Madison County Financial beats FSB Bancorp on 8 of the 10 factors compared between the two stocks.

About FSB Bancorp

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

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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