Head to Head Analysis: S&T Bancorp (NASDAQ:STBA) versus FVCBankcorp (NASDAQ:FVCB)

FVCBankcorp (NASDAQ:FVCB) and S&T Bancorp (NASDAQ:STBA) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, analyst recommendations, earnings, institutional ownership, profitability, risk and dividends.

Earnings & Valuation

This table compares FVCBankcorp and S&T Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FVCBankcorp	$44.48 million	4.64	$3.82 million	$0.27	41.96
S&T Bancorp	$392.73 million	3.43	$144.78 million	$3.51	10.04

S&T Bancorp has higher revenue and earnings than FVCBankcorp. S&T Bancorp is trading at a lower price-to-earnings ratio than FVCBankcorp, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

FVCBankcorp has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500. Comparatively, S&T Bancorp has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and price targets for FVCBankcorp and S&T Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FVCBankcorp	0	0	0	0	0.00
S&T Bancorp	0	1	0	0	2.00

S&T Bancorp has a consensus target price of $41.00, indicating a potential upside of 16.31%. Given S&T Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe S&T Bancorp is more favorable than FVCBankcorp.

Institutional & Insider Ownership

43.6% of FVCBankcorp shares are owned by institutional investors. Comparatively, 65.2% of S&T Bancorp shares are owned by institutional investors. 14.0% of FVCBankcorp shares are owned by company insiders. Comparatively, 1.4% of S&T Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares FVCBankcorp and S&T Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FVCBankcorp	4.95%	7.29%	0.73%
S&T Bancorp	23.69%	10.25%	1.41%

Summary

S&T Bancorp beats FVCBankcorp on 10 of the 13 factors compared between the two stocks.

About FVCBankcorp

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

About S&T Bancorp

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. It operates through the following segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The Commercial Real Estate segment includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The Commercial and Industrial segment focuses on the companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. The Commercial Construction segment refers to the finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment is made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards. The Consumer Real Estate segment offers first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The Other Consumer segment consists of individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. The company was founded on March 17, 1983 and is headquartered in Indiana, PA.