Jeffersonville Bancorp (OTCMKTS:JFBC) & Shore Bancshares (OTCMKTS:SHBI) Head to Head Comparison

Jeffersonville Bancorp (OTCMKTS:JFBC) and Shore Bancshares (NASDAQ:SHBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, dividends, institutional ownership, analyst recommendations, profitability and earnings.

Dividends

Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.5%. Shore Bancshares pays an annual dividend of $0.40 per share and has a dividend yield of 2.5%.

Institutional & Insider Ownership

1.0% of Jeffersonville Bancorp shares are owned by institutional investors. Comparatively, 64.7% of Shore Bancshares shares are owned by institutional investors. 8.4% of Jeffersonville Bancorp shares are owned by company insiders. Comparatively, 1.9% of Shore Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Jeffersonville Bancorp and Shore Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jeffersonville Bancorp 27.07% 10.03% 1.30%
Shore Bancshares 29.00% 13.01% 1.64%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Jeffersonville Bancorp and Shore Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jeffersonville Bancorp 0 0 0 0 N/A
Shore Bancshares 0 1 0 0 2.00

Volatility & Risk

Jeffersonville Bancorp has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500. Comparatively, Shore Bancshares has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

Earnings & Valuation

This table compares Jeffersonville Bancorp and Shore Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jeffersonville Bancorp $23.56 million 3.10 $6.20 million N/A N/A
Shore Bancshares $87.00 million 2.39 $25.00 million N/A N/A

Shore Bancshares has higher revenue and earnings than Jeffersonville Bancorp.

Summary

Shore Bancshares beats Jeffersonville Bancorp on 7 of the 11 factors compared between the two stocks.

About Jeffersonville Bancorp

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers personal checking accounts; and small business checking, business checking, NOW checking, estate checking, non-profit checking, and interest on lawyer accounts. It also provides personal loan products, such as auto/RV/motorcycle/boat loans, home improvement, debt consolidation, check loans, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installments, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides personal savings, business savings, and retirement accounts. Additionally, the company offers credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of March 16, 2018, it had 11 full service branches in Sullivan County and 1 branch in Orange County. The company was founded in 1913 and is based in Jeffersonville, New York.

About Shore Bancshares

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial banking products and services to individuals, businesses, and other organizations. It offers various deposit products, including checking, savings, and money market accounts; and regular and IRA certificates of deposit, as well as CDARS programs and cash management services. The company also provides commercial loans, such as secured and unsecured loans, working capital loans, lines of credit, term loans, accounts receivable financing, real estate acquisition and development loans, construction loans, and letters of credit; residential real estate construction loans; residential mortgage loans; and loans to consumers comprising home equity, automobile, installment, home improvement, and personal lines of credit. In addition, it offers safe deposit boxes; debit and credit cards; direct deposit of payroll; merchant credit card clearing services; telephone, mobile, and Internet banking services; and automatic teller machine (ATM) services. Further, the company provides non-deposit products, such as mutual funds and annuities, and discount brokerage services; and trust, asset management, and financial planning services. It operates 21 full service branches, 23 ATMs, 2 loan production offices in Baltimore City, Baltimore County, Howard County, Kent County, Queen Anne's County, Caroline County, Talbot County, and Dorchester County in Maryland; Kent County, Delaware; and Accomack County, Virginia. Shore Bancshares, Inc. was founded in 1876 and is headquartered in Easton, Maryland.

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