VBFC vs. PBHC, FUSB, BOTJ, GLBZ, CZNC, FRST, INBK, BMRC, JMSB, and LNKB
Should you be buying Village Bank and Trust Financial stock or one of its competitors? The main competitors of Village Bank and Trust Financial include Pathfinder Bancorp (PBHC), First US Bancshares (FUSB), Bank of the James Financial Group (BOTJ), Glen Burnie Bancorp (GLBZ), Citizens & Northern (CZNC), Primis Financial (FRST), First Internet Bancorp (INBK), Bank of Marin Bancorp (BMRC), John Marshall Bancorp (JMSB), and LINKBANCORP (LNKB). These companies are all part of the "state commercial banks" industry.
Pathfinder Bancorp (NASDAQ:PBHC) and Village Bank and Trust Financial (NASDAQ:VBFC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, institutional ownership, risk, dividends, earnings, profitability, media sentiment, community ranking and analyst recommendations.
Pathfinder Bancorp received 20 more outperform votes than Village Bank and Trust Financial when rated by MarketBeat users. However, 68.06% of users gave Village Bank and Trust Financial an outperform vote while only 63.10% of users gave Pathfinder Bancorp an outperform vote.
In the previous week, Pathfinder Bancorp and Pathfinder Bancorp both had 2 articles in the media. Village Bank and Trust Financial's average media sentiment score of 0.62 beat Pathfinder Bancorp's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the media.
Pathfinder Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Village Bank and Trust Financial has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.
Pathfinder Bancorp has a net margin of 11.50% compared to Pathfinder Bancorp's net margin of 6.08%. Village Bank and Trust Financial's return on equity of 7.47% beat Pathfinder Bancorp's return on equity.
Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.2%. Village Bank and Trust Financial pays an annual dividend of $0.72 per share and has a dividend yield of 1.6%. Pathfinder Bancorp pays out 28.2% of its earnings in the form of a dividend. Village Bank and Trust Financial pays out 50.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pathfinder Bancorp has increased its dividend for 4 consecutive years and Village Bank and Trust Financial has increased its dividend for 2 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Pathfinder Bancorp has higher revenue and earnings than Village Bank and Trust Financial. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Village Bank and Trust Financial, indicating that it is currently the more affordable of the two stocks.
26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 12.2% of Village Bank and Trust Financial shares are held by institutional investors. 22.4% of Pathfinder Bancorp shares are held by insiders. Comparatively, 7.4% of Village Bank and Trust Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Summary
Pathfinder Bancorp beats Village Bank and Trust Financial on 12 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding VBFC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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