Reviewing First Guaranty Bancshares (FGBI) and NASB Financial (NASB)

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First Guaranty Bancshares (NASDAQ:FGBI) and NASB Financial (OTCMKTS:NASB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, analyst recommendations, risk, dividends, earnings, institutional ownership and profitability.

Risk & Volatility

First Guaranty Bancshares has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500. Comparatively, NASB Financial has a beta of 0.02, indicating that its stock price is 98% less volatile than the S&P 500.

Institutional and Insider Ownership

11.4% of First Guaranty Bancshares shares are owned by institutional investors. Comparatively, 0.3% of NASB Financial shares are owned by institutional investors. 41.4% of First Guaranty Bancshares shares are owned by insiders. Comparatively, 47.0% of NASB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Dividends

First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. NASB Financial pays an annual dividend of $2.00 per share and has a dividend yield of 5.0%. First Guaranty Bancshares has raised its dividend for 3 consecutive years.

Profitability

This table compares First Guaranty Bancshares and NASB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Guaranty Bancshares 15.79% 9.39% 0.76%
NASB Financial N/A N/A N/A

Analyst Recommendations

This is a breakdown of current recommendations for First Guaranty Bancshares and NASB Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Guaranty Bancshares 0 1 0 0 2.00
NASB Financial 0 0 0 0 N/A

First Guaranty Bancshares currently has a consensus price target of $28.00, indicating a potential upside of 34.29%. Given First Guaranty Bancshares’ higher probable upside, analysts clearly believe First Guaranty Bancshares is more favorable than NASB Financial.

Earnings & Valuation

This table compares First Guaranty Bancshares and NASB Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Guaranty Bancshares $83.67 million 2.20 $14.21 million N/A N/A
NASB Financial N/A N/A $29.13 million N/A N/A

NASB Financial has lower revenue, but higher earnings than First Guaranty Bancshares.

Summary

First Guaranty Bancshares beats NASB Financial on 9 of the 12 factors compared between the two stocks.

About First Guaranty Bancshares

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services to businesses, professionals, and individuals in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits. The company also provides loans, such as non-farm non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, construction and land development loans, agricultural loans, farmland loans, consumer and other loans, and multifamily loans. In addition, it offers a range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, Internet banking, automated teller machines, online bill pay, mobile banking, and lockbox services. The company operates through 27 banking facilities located in market services areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Dallas-Fort Worth-Arlington, and Waco. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

About NASB Financial

NASB Financial, Inc. operates as the unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking services in the United States. The company accepts a range of deposit products, which include demand deposit accounts, savings accounts, money market demand accounts, brokered accounts, and certificates of deposit. Its loan portfolio comprises mortgage loans secured by multifamily, construction, development, and commercial real estate properties; construction and land development loans; residential and business property loans; non-mortgage commercial and installment loans; and lease financing. The company operates 11 branch offices, 3 loan origination offices, and 1 customer service office. The company was founded in 1927 and is headquartered in Grandview, Missouri.

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