Contrasting Peoples-Sidney Financial (OTCMKTS:PPSF) and West Bancorporation (NASDAQ:WTBA)

West Bancorporation (NASDAQ:WTBA) and Peoples-Sidney Financial (OTCMKTS:PPSF) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, dividends, valuation and earnings.

Profitability

This table compares West Bancorporation and Peoples-Sidney Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
West Bancorporation	16.04%	13.40%	0.80%
Peoples-Sidney Financial	N/A	N/A	N/A

Valuation & Earnings

This table compares West Bancorporation and Peoples-Sidney Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
West Bancorporation	$198.50 million	1.89	$24.05 million	$1.90	11.68
Peoples-Sidney Financial	N/A	N/A	N/A	N/A	N/A

West Bancorporation has higher revenue and earnings than Peoples-Sidney Financial.

Insider & Institutional Ownership

44.3% of West Bancorporation shares are held by institutional investors. 4.6% of West Bancorporation shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings for West Bancorporation and Peoples-Sidney Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
West Bancorporation	0	2	0	1	2.67
Peoples-Sidney Financial	0	0	0	0	0.00

West Bancorporation presently has a consensus target price of $24.00, suggesting a potential upside of 8.11%. Given West Bancorporation’s stronger consensus rating and higher possible upside, analysts plainly believe West Bancorporation is more favorable than Peoples-Sidney Financial.

Summary

West Bancorporation beats Peoples-Sidney Financial on 9 of the 9 factors compared between the two stocks.

About West Bancorporation

West Bancorporation, Inc. operates as the financial holding company provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. It offers deposit services, including checking, savings, and money market accounts, as well as time certificates of deposit. The company also provides loan products comprising commercial real estate loans, construction and land development loans, commercial lines of credit, and commercial term loans; consumer loans, including loans extended to individuals for household, family, and other personal expenditures not secured by real estate; and 1-4 family residential mortgages and home equity loans. In addition, it offers online and mobile banking, treasury management services including cash management, client-generated automated clearing house transactions, remote deposit, and fraud protection services; merchant credit card processing and corporate credit cards; and administration of estates, conservatorships, personal trusts, and agency accounts. The company was founded in 1893 and is headquartered in West Des Moines, Iowa.

About Peoples-Sidney Financial

Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services. Its deposit products include checking, savings, term certificate, NOW, and money market accounts, as well as non interest-bearing demand deposits, certificates of deposit, and IRAs. The company's lending products comprise residential mortgage loans, including conventional, purchase, refinance, second mortgage, home equity, construction, construction for permanent financing, home improvement, FHA, USDA, and VA loans; land loans; commercial business loans comprising business lines of credit, commercial real estate, investment property, and equipment purchase loans; personal loans, such as vehicle, vacation, recreational vehicle, boat, motorcycle, and credit card consolidation loans; and agriculture loans, such as farm real estate loans, loans for equipment purchases, and farm operating lines of credit. It also offers night depository, safety deposit box, notary, reorder checks, online and mobile banking, debit card, wire transfer, and direct deposit services. The company operates through its main office in Sidney, Ohio; and branch offices in Sidney, Anna, and Jackson Center, Ohio. Peoples-Sidney Financial Corporation was founded in 1886 and is based in Sidney, Ohio.