Albina Community Bancorp (OTCMKTS:ACBCQ) versus German American Bancorp (NASDAQ:GABC) Head-To-Head Comparison

Albina Community Bancorp (OTCMKTS:ACBCQ) and German American Bancorp (NASDAQ:GABC) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, institutional ownership, analyst recommendations, risk, valuation and profitability.

Earnings & Valuation

This table compares Albina Community Bancorp and German American Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A
German American Bancorp	$316.92 million	3.10	$85.89 million	$2.92	11.36

German American Bancorp has higher revenue and earnings than Albina Community Bancorp.

Insider & Institutional Ownership

46.9% of German American Bancorp shares are owned by institutional investors. 6.2% of German American Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Albina Community Bancorp and German American Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Albina Community Bancorp	0	0	0	0	N/A
German American Bancorp	0	1	1	0	2.50

German American Bancorp has a consensus price target of $37.50, indicating a potential upside of 13.09%. Given German American Bancorp’s higher possible upside, analysts clearly believe German American Bancorp is more favorable than Albina Community Bancorp.

Profitability

This table compares Albina Community Bancorp and German American Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Albina Community Bancorp	N/A	N/A	N/A
German American Bancorp	27.10%	14.26%	1.42%

Risk & Volatility

Albina Community Bancorp has a beta of 3.99, meaning that its stock price is 299% more volatile than the S&P 500. Comparatively, German American Bancorp has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.

Summary

German American Bancorp beats Albina Community Bancorp on 8 of the 9 factors compared between the two stocks.

About Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.

About German American Bancorp

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. It also offers checking, saving, and individual retirement accounts; certificates of deposit; wire transfer; credit cards; home equity, mortgages, and small business; treasury management; and online and mobile banking, bill pay, digital wallet, mobile check deposit, credit score and report, money management, and estatements, as well as wealth advisory. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.