MSB Financial (NASDAQ:MSBF) and FFD Financial (OTCMKTS:FFDF) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends and risk.
Valuation and Earnings
This table compares MSB Financial and FFD Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|MSB Financial||$24.15 million||3.99||$4.84 million||N/A||N/A|
MSB Financial has higher revenue and earnings than FFD Financial.
This table compares MSB Financial and FFD Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
FFD Financial pays an annual dividend of $1.60 per share and has a dividend yield of 3.0%. MSB Financial does not pay a dividend.
This is a summary of current ratings and price targets for MSB Financial and FFD Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Volatility & Risk
MSB Financial has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500. Comparatively, FFD Financial has a beta of -0.02, meaning that its stock price is 102% less volatile than the S&P 500.
Institutional and Insider Ownership
22.0% of MSB Financial shares are owned by institutional investors. 18.0% of MSB Financial shares are owned by insiders. Comparatively, 11.5% of FFD Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
MSB Financial beats FFD Financial on 7 of the 8 factors compared between the two stocks.
MSB Financial Company Profile
MSB Financial Corp. operates as the bank holding company for Millington Bank that provides various banking products and services in New Jersey. The company offers deposit products, including checking accounts; savings accounts, such as regular passbook, statement, money market, and club accounts, as well as six-level tiered savings accounts; certificates of deposit; and fixed or variable rate individual retirement accounts. Its loan portfolio comprises one-to four-family real estate mortgage loans, commercial and multi-family real estate mortgage loans, construction loans, commercial and industrial loans, and home equity loans and lines of credit, as well as consumer loans consisting of new and used automobile loans, secured and unsecured personal loans, account loans, and overdraft lines of credit. The company was founded in 1911 and is based in Millington, New Jersey.
FFD Financial Company Profile
FFD Financial Corporation operates as the holding company for First Federal Community Bank, National Association that provides banking products and services. It offers various deposit products, including checking, savings, money market, health savings, and club accounts, as well as certificates of deposit and individual retirement accounts. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, personal loans, business term loans and lines of credit, commercial real estate loans, and equipment loans; and credit and debit cards. In addition, it offers online banking and bill pay, e-statement, overdraft protection, mobile banking, night depository, cash management, wire transfer, safe deposit box, night depository, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. It operates branches in Dover, New Philadelphia, Boulevard, Sugarcreek, Berlin, and Mt. Hope. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.
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