Critical Contrast: CBB BANCORP INC/SH (OTCMKTS:CBBI) & Jeffersonville Bancorp (OTCMKTS:JFBC)

Jeffersonville Bancorp (OTCMKTS:JFBC) and CBB BANCORP INC/SH (OTCMKTS:CBBI) 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, earnings, risk, analyst recommendations, dividends and valuation.

Profitability

This table compares Jeffersonville Bancorp and CBB BANCORP INC/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jeffersonville Bancorp 26.34% 9.43% 1.26%
CBB BANCORP INC/SH 15.93% N/A N/A

Institutional & Insider Ownership

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

Analyst Ratings

This is a breakdown of recent ratings and target prices for Jeffersonville Bancorp and CBB BANCORP INC/SH, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jeffersonville Bancorp 0 0 0 0 N/A
CBB BANCORP INC/SH 0 0 0 0 N/A

Risk & Volatility

Jeffersonville Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, CBB BANCORP INC/SH has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.

Valuation & Earnings

This table compares Jeffersonville Bancorp and CBB BANCORP INC/SH’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jeffersonville Bancorp $24.76 million 2.56 $6.51 million N/A N/A
CBB BANCORP INC/SH $72.87 million 0.98 $13.34 million N/A N/A

CBB BANCORP INC/SH has higher revenue and earnings than Jeffersonville Bancorp.

Summary

Jeffersonville Bancorp beats CBB BANCORP INC/SH on 7 of the 10 factors compared between the two stocks.

Jeffersonville Bancorp Company Profile

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.

CBB BANCORP INC/SH Company Profile

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.

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