Reviewing NASB Financial (NASB) and Frederick County Bancorp (MD) (FCBI)

NASB Financial (OTCMKTS:NASB) and Frederick County Bancorp (MD) (OTCMKTS:FCBI) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, valuation, profitability, analyst recommendations, dividends, earnings and institutional ownership.

Dividends

NASB Financial pays an annual dividend of $2.00 per share and has a dividend yield of 4.9%. Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 1.3%.



Risk & Volatility

NASB Financial has a beta of 0.02, meaning that its share price is 98% less volatile than the S&P 500. Comparatively, Frederick County Bancorp (MD) has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500.

Profitability

This table compares NASB Financial and Frederick County Bancorp (MD)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
NASB Financial N/A N/A N/A
Frederick County Bancorp (MD) 15.90% 8.95% 0.70%

Earnings and Valuation

This table compares NASB Financial and Frederick County Bancorp (MD)’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
NASB Financial N/A N/A $29.13 million N/A N/A
Frederick County Bancorp (MD) $18.62 million 1.98 $2.96 million N/A N/A

NASB Financial has higher earnings, but lower revenue than Frederick County Bancorp (MD).

Analyst Recommendations

This is a summary of current ratings and price targets for NASB Financial and Frederick County Bancorp (MD), as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NASB Financial 0 0 0 0 N/A
Frederick County Bancorp (MD) 0 0 0 0 N/A

Institutional & Insider Ownership

0.3% of NASB Financial shares are owned by institutional investors. 47.0% of NASB Financial shares are owned by insiders. Comparatively, 32.2% of Frederick County Bancorp (MD) shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Frederick County Bancorp (MD) beats NASB Financial on 6 of the 10 factors compared between the two stocks.

About NASB Financial

NASB Financial, Inc. operates as the unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking services in the United States. The company accepts a range of deposit products, which include demand deposit accounts, savings accounts, money market demand accounts, brokered accounts, and certificates of deposit. Its loan portfolio comprises mortgage loans secured by multifamily, construction, development, and commercial real estate properties; construction and land development loans; residential and business property loans; non-mortgage commercial and installment loans; and lease financing. The company operates 11 branch offices, 3 loan origination offices, and 1 customer service office. The company was founded in 1927 and is headquartered in Grandview, Missouri.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company is headquartered in Frederick, Maryland.

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