Summit State Bank (NASDAQ:SSBI) and PEOPLES BK COMM/SH (OTCMKTS:PBCO) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, risk, analyst recommendations, profitability, valuation and dividends.
This is a summary of recent recommendations and price targets for Summit State Bank and PEOPLES BK COMM/SH, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Summit State Bank||0||0||0||0||N/A|
|PEOPLES BK COMM/SH||0||0||0||0||N/A|
Volatility & Risk
Summit State Bank has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500. Comparatively, PEOPLES BK COMM/SH has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500.
Institutional & Insider Ownership
13.5% of Summit State Bank shares are owned by institutional investors. Comparatively, 7.6% of PEOPLES BK COMM/SH shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summit State Bank pays an annual dividend of $0.48 per share and has a dividend yield of 3.8%. PEOPLES BK COMM/SH does not pay a dividend.
This table compares Summit State Bank and PEOPLES BK COMM/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Summit State Bank||18.45%||N/A||N/A|
|PEOPLES BK COMM/SH||16.68%||N/A||N/A|
Valuation & Earnings
This table compares Summit State Bank and PEOPLES BK COMM/SH’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Summit State Bank||$27.88 million||2.73||$5.83 million||N/A||N/A|
|PEOPLES BK COMM/SH||$20.04 million||2.23||$3.40 million||N/A||N/A|
Summit State Bank has higher revenue and earnings than PEOPLES BK COMM/SH.
Summit State Bank beats PEOPLES BK COMM/SH on 7 of the 8 factors compared between the two stocks.
Summit State Bank Company Profile
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and Keogh and individual retirement accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; and home equity lines of credit, as well as term loans, credit lines to individuals, equipment loans, and business lines of credit. Its loan products also comprise loans for accounts receivable and inventory financing, loans to agriculture-related businesses, and equipment and expansion financing programs. In addition, the company provides Internet and telephone banking; and other services, including banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers cash management and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production office in Roseville, California. Summit State Bank was founded in 1982 and is headquartered in Santa Rosa, California.
PEOPLES BK COMM/SH Company Profile
People's Bank of Commerce provides banking services to businesses and individuals primarily in Southern Oregon. It offers various deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. The company's personal loans consist of home equity loans and credit lines; consumer loans and credit lines comprising auto, recreational vehicle, boat, personal line of credit, and savings secured loans; and home lot and construction loans. Its business loan portfolio includes commercial loans comprising commercial real estate, equipment purchase, certificates of deposit and listed stock secured, commercial real estate construction, residential construction loans, and lines of credit; and small business/government loans. In addition, the company provides merchant services, online and mobile banking, bill pay, e-statements, sweep accounts, debit and credit cards, and ATM cards. It operates six full-service branches in Ashland, Central Point, Grants Pass, and Medford, Oregon. People's Bank of Commerce was incorporated in 1997 and is headquartered in Medford, Oregon.
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