Head-To-Head Analysis: Summit State Bank (NASDAQ:SSBI) vs. BEO Bancorp (OTCMKTS:BEOB)

Summit State Bank (NASDAQ:SSBI) and BEO Bancorp (OTCMKTS:BEOB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, dividends, earnings, valuation, profitability, risk and institutional ownership.

Analyst Ratings

This is a breakdown of current ratings for Summit State Bank and BEO Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Summit State Bank	0	1	0	0	2.00
BEO Bancorp	0	0	0	0	0.00

Risk & Volatility

Summit State Bank has a beta of 0.18, indicating that its stock price is 82% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.24, indicating that its stock price is 76% less volatile than the S&P 500.

Profitability

This table compares Summit State Bank and BEO Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Summit State Bank	10.18%	N/A	N/A
BEO Bancorp	N/A	16.83%	1.69%

Valuation & Earnings

This table compares Summit State Bank and BEO Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Summit State Bank	$58.82 million	1.54	$6.80 million	$0.89	15.06
BEO Bancorp	$59.32 million	2.18	$16.19 million	$13.26	8.13

BEO Bancorp has higher revenue and earnings than Summit State Bank. BEO Bancorp is trading at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.

Summary

BEO Bancorp beats Summit State Bank on 7 of the 10 factors compared between the two stocks.

About Summit State Bank

Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. It specializes in business services, personal accounts, nonprofit programs, and mobile banking ranging from lending, checking, merchant, eBanking, automated teller machines, equity loans, and others. The company was founded on December 20, 1982 and is headquartered in Santa Rosa, CA.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.