Reliant Bancorp (NASDAQ:RBNC) and IA 1ST BANCSHAR/SH (OTCMKTS:IOFB) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, institutional ownership, analyst recommendations, risk, dividends, earnings and valuation.
Insider and Institutional Ownership
29.0% of Reliant Bancorp shares are owned by institutional investors. Comparatively, 7.2% of IA 1ST BANCSHAR/SH shares are owned by institutional investors. 9.7% of Reliant Bancorp shares are owned by company insiders. Comparatively, 12.8% of IA 1ST BANCSHAR/SH 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.
Reliant Bancorp has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, IA 1ST BANCSHAR/SH has a beta of 0.19, indicating that its share price is 81% less volatile than the S&P 500.
This is a breakdown of recent ratings and target prices for Reliant Bancorp and IA 1ST BANCSHAR/SH, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|IA 1ST BANCSHAR/SH||0||0||0||0||N/A|
Reliant Bancorp presently has a consensus price target of $26.33, suggesting a potential upside of 8.82%. Given Reliant Bancorp’s higher probable upside, equities research analysts plainly believe Reliant Bancorp is more favorable than IA 1ST BANCSHAR/SH.
This table compares Reliant Bancorp and IA 1ST BANCSHAR/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|IA 1ST BANCSHAR/SH||N/A||N/A||N/A|
Earnings & Valuation
This table compares Reliant Bancorp and IA 1ST BANCSHAR/SH’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Reliant Bancorp||$78.87 million||3.44||$14.09 million||$1.37||17.66|
|IA 1ST BANCSHAR/SH||N/A||N/A||$2.31 million||N/A||N/A|
Reliant Bancorp has higher revenue and earnings than IA 1ST BANCSHAR/SH.
Reliant Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.5%. IA 1ST BANCSHAR/SH pays an annual dividend of $1.16 per share and has a dividend yield of 2.8%. Reliant Bancorp pays out 26.3% of its earnings in the form of a dividend.
Reliant Bancorp beats IA 1ST BANCSHAR/SH on 9 of the 13 factors compared between the two stocks.
About Reliant Bancorp
Reliant Bancorp, Inc. operates as the holding company for Reliant Bank that provides a range of commercial banking services for businesses and individuals in the Middle Tennessee region and the Nashville-Davidson-Murfreesboro-Franklin Metropolitan Statistical Area. Its deposit products include checking, savings, and money market deposit accounts; time deposits; certificates of deposit; and non-interest-bearing and interest bearing demand deposits. The company's loan portfolio comprises residential mortgage loans and mortgage refinancing; commercial, industrial, and agricultural loans; multi-family and commercial real estate loans; construction, land development, and farmland loans; 1-4 family residential real estate loans; home equity loans; and consumer loans, such as loans for household, family, and other personal expenditures. It also provides safe deposit box, debit card, direct deposit, and official bank check services. The company operates through seven branches in Davidson, Robertson, Sumner, and Williamson counties in Tennessee. The company was formerly known as Commerce Union Bancshares, Inc. and changed its name to Reliant Bancorp, Inc. in January 2018. Reliant Bancorp, Inc. was founded in 2006 and is based in Brentwood, Tennessee.
About IA 1ST BANCSHAR/SH
Iowa First Bancshares Corp. operates as the bank holding company for First National Bank of Muscatine and First National Bank in Fairfield that provide various banking products and services for individuals and businesses in Iowa. It offers checking, savings, money market, and time deposit accounts; and commercial and industrial, commercial real estate owner and nonowner occupied, agriculture, residential real estate, and consumer and other loans. The company also provides safe deposit, funds transmitting, trust, debit and credit card, Internet banking, automated teller machine, and other banking services. It operates through four locations in Muscatine and two locations in Fairfield, Iowa. The company was founded in 1984 and is headquartered in Muscatine, Iowa.
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