Mainstreet Bank Common Stock (Virginia) (OTCMKTS:MNSB) and Idaho Independent Bank (OTCMKTS:IIBK) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, risk, earnings, valuation, analyst recommendations, dividends and institutional ownership.
This table compares Mainstreet Bank Common Stock (Virginia) and Idaho Independent Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Mainstreet Bank Common Stock (Virginia)||14.12%||N/A||N/A|
|Idaho Independent Bank||N/A||N/A||N/A|
13.9% of Mainstreet Bank Common Stock (Virginia) shares are held by institutional investors. 16.4% of Mainstreet Bank Common Stock (Virginia) shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Risk & Volatility
Mainstreet Bank Common Stock (Virginia) has a beta of -0.04, indicating that its stock price is 104% less volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of 0.06, indicating that its stock price is 94% less volatile than the S&P 500.
This is a summary of current recommendations and price targets for Mainstreet Bank Common Stock (Virginia) and Idaho Independent Bank, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Mainstreet Bank Common Stock (Virginia)||0||0||1||0||3.00|
|Idaho Independent Bank||0||0||0||0||N/A|
Earnings & Valuation
This table compares Mainstreet Bank Common Stock (Virginia) and Idaho Independent Bank’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Mainstreet Bank Common Stock (Virginia)||$29.23 million||4.11||$3.88 million||$0.97||21.34|
|Idaho Independent Bank||N/A||N/A||$3.05 million||N/A||N/A|
Mainstreet Bank Common Stock (Virginia) has higher revenue and earnings than Idaho Independent Bank.
Mainstreet Bank Common Stock (Virginia) beats Idaho Independent Bank on 6 of the 8 factors compared between the two stocks.
About Mainstreet Bank Common Stock (Virginia)
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking services for businesses and individuals. It offers a range of deposit products, such as checking accounts, savings accounts, money market accounts, and certificate of deposits. The company also provides loans for construction, renovations and improvements, commercial real estate, rental property, working capital, business, and land loans, as well as government contract loans, line of credit or seasonal line of credit, mortgage loans, auto loans, and term loans. In addition, it offers debit and credit cards, overdraft protection, insurance, and online and mobile banking services, as well as cash management, merchant, payment processing, check scanning, and lockbox services. The company operates five branches in Herndon, Fairfax, Fairfax City, McLean, and Clarendon, as well as has 55,000 ATMs. MainStreet Bancshares, Inc. was founded in 2003 and is headquartered in Fairfax, Virginia.
About Idaho Independent Bank
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, and small business 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, money order, cashier's check, safe deposit box, and mobile banking services. As of December 31, 2016, it operated 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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