Financial Survey: Community First Bancshares (NASDAQ:CFBI) versus NASB Financial (NASDAQ:NASB)

Community First Bancshares (NASDAQ:CFBI) and NASB Financial (OTCMKTS:NASB) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, dividends, earnings, valuation, institutional ownership, profitability and analyst recommendations.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Community First Bancshares and NASB Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community First Bancshares 0 0 0 0 N/A
NASB Financial 0 0 0 0 N/A

Dividends

NASB Financial pays an annual dividend of $2.00 per share and has a dividend yield of 4.6%. Community First Bancshares does not pay a dividend.

Profitability

This table compares Community First Bancshares and NASB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community First Bancshares 5.08% 1.09% 0.27%
NASB Financial N/A N/A N/A

Risk and Volatility

Community First Bancshares has a beta of -0.03, suggesting that its share price is 103% less volatile than the S&P 500. Comparatively, NASB Financial has a beta of -0.08, suggesting that its share price is 108% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community First Bancshares and NASB Financial’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community First Bancshares $16.20 million 4.76 $440,000.00 N/A N/A
NASB Financial N/A N/A $29.13 million N/A N/A

NASB Financial has lower revenue, but higher earnings than Community First Bancshares.

Institutional and Insider Ownership

3.9% of Community First Bancshares shares are held by institutional investors. Comparatively, 0.3% of NASB Financial shares are held by institutional investors. 1.3% of Community First Bancshares shares are held by insiders. Comparatively, 47.0% of NASB Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Community First Bancshares beats NASB Financial on 6 of the 9 factors compared between the two stocks.

About Community First Bancshares

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, indirect automobile loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through its main and branch office in Covington, Georgia; and loan production offices in Watkinsville and Braselton, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

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.

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