First Guaranty Bancshares (NASDAQ:FGBI) and Provident Bancorp (NASDAQ:PVBC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, profitability, institutional ownership, earnings, dividends, risk and analyst recommendations.
Volatility and Risk
First Guaranty Bancshares has a beta of 0.39, suggesting that its share price is 61% less volatile than the S&P 500. Comparatively, Provident Bancorp has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.
This is a summary of current ratings and target prices for First Guaranty Bancshares and Provident Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Guaranty Bancshares||0||1||0||0||2.00|
First Guaranty Bancshares presently has a consensus target price of $28.00, suggesting a potential upside of 39.44%. Given First Guaranty Bancshares’ higher probable upside, analysts clearly believe First Guaranty Bancshares is more favorable than Provident Bancorp.
First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.2%. Provident Bancorp does not pay a dividend. First Guaranty Bancshares has increased its dividend for 3 consecutive years.
Valuation & Earnings
This table compares First Guaranty Bancshares and Provident Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Guaranty Bancshares||$83.67 million||2.11||$14.21 million||N/A||N/A|
|Provident Bancorp||$46.52 million||5.67||$9.32 million||N/A||N/A|
First Guaranty Bancshares has higher revenue and earnings than Provident Bancorp.
Institutional and Insider Ownership
11.4% of First Guaranty Bancshares shares are owned by institutional investors. Comparatively, 21.8% of Provident Bancorp shares are owned by institutional investors. 41.4% of First Guaranty Bancshares shares are owned by insiders. Comparatively, 3.3% of Provident Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This table compares First Guaranty Bancshares and Provident Bancorp’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%|
First Guaranty Bancshares beats Provident Bancorp on 7 of the 13 factors compared between the two stocks.
First Guaranty Bancshares Company Profile
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.
Provident Bancorp Company Profile
Provident Bancorp, Inc. is a Massachusetts corporation that was formed in 2011 by The Provident Bank to be its holding company. Approximately 52.1% of Provident Bancorp, Inc. outstanding shares are owned by Provident Bancorp, a Massachusetts corporation and a mutual holding company. The Provident Bank, a subsidiary of Provident Bancorp, Inc., is an innovative, commercial bank that finds solutions for business and private clients. We are committed to strengthening the economic development of the regions we serve, by working closely with businesses and private clients and delivering superior products and high-touch services to meet their banking needs. The Provident has offices in Massachusetts and New Hampshire. All deposits are insured in full through a combination of insurance provided by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF).
Receive News & Ratings for First Guaranty Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for First Guaranty Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.