Solera National Bancorp (OTCMKTS:SLRK) and First United (NASDAQ:FUNC) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, institutional ownership, risk, dividends, earnings and profitability.
Volatility & Risk
Solera National Bancorp has a beta of 0.75, indicating that its stock price is 25% less volatile than the S&P 500. Comparatively, First United has a beta of 1.03, indicating that its stock price is 3% more volatile than the S&P 500.
Valuation & Earnings
This table compares Solera National Bancorp and First United’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Solera National Bancorp||$11.49 million||3.35||$3.56 million||N/A||N/A|
|First United||$74.56 million||1.01||$13.13 million||N/A||N/A|
First United has higher revenue and earnings than Solera National Bancorp.
This table compares Solera National Bancorp and First United’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Solera National Bancorp||29.14%||N/A||N/A|
This is a breakdown of current recommendations and price targets for Solera National Bancorp and First United, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Solera National Bancorp||0||0||0||0||N/A|
Insider and Institutional Ownership
1.3% of Solera National Bancorp shares are owned by institutional investors. Comparatively, 29.7% of First United shares are owned by institutional investors. 17.4% of Solera National Bancorp shares are owned by insiders. Comparatively, 4.3% of First United shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
First United beats Solera National Bancorp on 6 of the 10 factors compared between the two stocks.
About Solera National Bancorp
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals in the United States. The company offers deposit products, including checking and savings accounts, and certificates of deposits; and business loan products, such as real estate secured loans, construction loans, small business administration loans, business lines of credit, and equipment financing. It also provides online banking, account analysis, combined account analysis, commercial sweep, remote deposit, ACH origination, payroll direct deposit, merchant, fraud, business debit card, and cash management services. The company was founded in 2006 and is headquartered in Lakewood, Colorado.
About First United
First United Corporation operates as the holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; indirect and direct auto loans; and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit, and night depository facilities. It operates 25 banking offices, 1 call center, and 26 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, and Monongalia counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
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