Seacoast Banking Co. of Florida (NASDAQ:SBCF) and Premier Financial Bancorp (NASDAQ:PFBI) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, earnings, institutional ownership, valuation, dividends and risk.
Premier Financial Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.7%. Seacoast Banking Co. of Florida does not pay a dividend. Premier Financial Bancorp has raised its dividend for 3 consecutive years.
Volatility and Risk
Seacoast Banking Co. of Florida has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, Premier Financial Bancorp has a beta of 0.67, indicating that its stock price is 33% less volatile than the S&P 500.
This table compares Seacoast Banking Co. of Florida and Premier Financial Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Seacoast Banking Co. of Florida||23.29%||10.47%||1.32%|
|Premier Financial Bancorp||27.09%||10.41%||1.31%|
This is a summary of current recommendations for Seacoast Banking Co. of Florida and Premier Financial Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Seacoast Banking Co. of Florida||0||3||2||0||2.40|
|Premier Financial Bancorp||0||0||0||0||N/A|
Seacoast Banking Co. of Florida presently has a consensus price target of $30.17, indicating a potential upside of 20.23%. Given Seacoast Banking Co. of Florida’s higher possible upside, research analysts clearly believe Seacoast Banking Co. of Florida is more favorable than Premier Financial Bancorp.
Insider and Institutional Ownership
82.2% of Seacoast Banking Co. of Florida shares are held by institutional investors. Comparatively, 30.7% of Premier Financial Bancorp shares are held by institutional investors. 2.7% of Seacoast Banking Co. of Florida shares are held by insiders. Comparatively, 12.9% of Premier Financial Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Seacoast Banking Co. of Florida and Premier Financial Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Seacoast Banking Co. of Florida||$291.42 million||4.43||$67.28 million||$1.62||15.49|
|Premier Financial Bancorp||$74.92 million||3.17||$20.17 million||N/A||N/A|
Seacoast Banking Co. of Florida has higher revenue and earnings than Premier Financial Bancorp.
Seacoast Banking Co. of Florida beats Premier Financial Bancorp on 10 of the 14 factors compared between the two stocks.
Seacoast Banking Co. of Florida Company Profile
Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides financial services to retail and commercial customers in Florida. The company offers commercial and retail banking, wealth management, and treasury management services, as well as home mortgage products; and brokerage and annuity services. It operates through 51 traditional branches and 7 commercial banking centers. The company was founded in 1926 and is headquartered in Stuart, Florida.
Premier Financial Bancorp Company Profile
Premier Financial Bancorp, Inc. offers banking products and services. The company offers demand deposits and interest and non-interest bearing time and savings deposits. The company's deposits include jumbo deposits and retail time deposits. The bank provides commercial and industrial loans, consumer loans, commercial real estate loans, and other loans and leases. The bank offers consumer loans, including credit card loans, revolving credit plans, and automotive loans. The bank offers commercial real estate loans for land development and on-site construction of industrial, commercial, residential, or farm buildings in the United States; real estate-backed residential loans; and commercial loans collateralized by real estate properties. The company offers domestic and foreign commercial and industrial loans. It offers loans for the purpose of financing agricultural production; loans which include planned and unplanned overdrafts, to governments in non-U.S. countries, to their official institutions, and to international and regional institutions. For 2017, it has an asset value of 1.7 million USD. The bank has generated a net income of 20,168 USD in December 31, 2017. Premier Financial Bancorp, Inc. was founded in 1991 and is based in Huntington, West Virginia.
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