CHESAPEAKE FINL/SH (OTCMKTS:CPKF) and SouthCrest Financial Group (SCSG) Critical Analysis

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CHESAPEAKE FINL/SH (OTCMKTS:CPKF) and SouthCrest Financial Group (OTCMKTS:SCSG) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, valuation, profitability, institutional ownership, risk, analyst recommendations and earnings.

Dividends

CHESAPEAKE FINL/SH pays an annual dividend of $0.56 per share and has a dividend yield of 2.1%. SouthCrest Financial Group pays an annual dividend of $0.12 per share and has a dividend yield of 1.3%. CHESAPEAKE FINL/SH pays out 25.8% of its earnings in the form of a dividend.

Profitability

This table compares CHESAPEAKE FINL/SH and SouthCrest Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CHESAPEAKE FINL/SH 17.52% 12.25% 1.34%
SouthCrest Financial Group N/A N/A N/A

Valuation and Earnings

This table compares CHESAPEAKE FINL/SH and SouthCrest Financial Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CHESAPEAKE FINL/SH $57.22 million 1.88 $8.94 million $2.17 12.20
SouthCrest Financial Group $24.75 million 2.30 $13.66 million N/A N/A

SouthCrest Financial Group has lower revenue, but higher earnings than CHESAPEAKE FINL/SH.

Risk and Volatility

CHESAPEAKE FINL/SH has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, SouthCrest Financial Group has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings for CHESAPEAKE FINL/SH and SouthCrest Financial Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CHESAPEAKE FINL/SH 0 0 0 0 N/A
SouthCrest Financial Group 0 0 0 0 N/A

Insider & Institutional Ownership

1.9% of CHESAPEAKE FINL/SH shares are held by institutional investors. Comparatively, 3.8% of SouthCrest Financial Group shares are held by institutional investors. 39.5% of CHESAPEAKE FINL/SH 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.

Summary

CHESAPEAKE FINL/SH beats SouthCrest Financial Group on 7 of the 11 factors compared between the two stocks.

CHESAPEAKE FINL/SH Company Profile

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for corporate and individual clients in Virginia. The company offers interest and noninterest checking, savings, and money market accounts, as well as certificates of deposit. It also provides mortgage loans, single-family residential and residential construction loans, lines of credit, and consumer loans; and commercial loans, including owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans. In addition, the company offers merchant processing services, accounts receivable financing, wealth management and trust, and cash management services. It operates through 15 branches, including 4 in Northern Neck, 3 in Middle Peninsula, 5 in Williamsburg, and 3 in Richmond. Chesapeake Financial Shares, Inc. was founded in 1900 and is based in Kilmarnock, Virginia.

SouthCrest Financial Group Company Profile

SouthCrest Financial Group, Inc. operates as the bank holding company for SouthCrest Bank, N.A. that provides banking services. The company accepts checking, savings, and money market accounts; and certificates of deposit. Its loan products include personal loans for cars, boats, recreational vehicles, and other purchases; home equity lines of credit; loans on investment properties; owner occupied real estate, construction and development, equipment and inventory, practice, and Georgia entertainment tax credit financing; construction to permanent, investment real estate, and acquisition and development loans; and working capital and lines of credit. The company also offers credit and debit cards; remote deposit capture, positive pay, ACH, online wires, merchant, business payroll, and reorder checks services; and online banking, online bill pay, mobile banking and deposit, telephone banking, and ATM services. It serves retail, private, entrepreneurial, high-net-worth, and commercial customers. As of April 26, 2018, the company operated through 9 branches in Georgia. SouthCrest Financial Group, Inc. was founded in 1910 and is headquartered in Atlanta, Georgia.

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