Guaranty Bancshares (NASDAQ:GNTY) and Farmers And Merchants Bank of Long Beach (OTCMKTS:FMBL) 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, risk, institutional ownership, dividends, profitability, analyst recommendations and earnings.
Insider and Institutional Ownership
21.6% of Guaranty Bancshares shares are owned by institutional investors. Comparatively, 6.9% of Farmers And Merchants Bank of Long Beach shares are owned by institutional investors. 22.6% of Guaranty Bancshares shares are owned by insiders. Comparatively, 12.8% of Farmers And Merchants Bank of Long Beach shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This is a summary of current recommendations and price targets for Guaranty Bancshares and Farmers And Merchants Bank of Long Beach, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Farmers And Merchants Bank of Long Beach||0||0||0||0||N/A|
Guaranty Bancshares currently has a consensus price target of $34.00, suggesting a potential upside of 13.71%. Given Guaranty Bancshares’ higher probable upside, research analysts clearly believe Guaranty Bancshares is more favorable than Farmers And Merchants Bank of Long Beach.
Guaranty Bancshares pays an annual dividend of $0.68 per share and has a dividend yield of 2.3%. Farmers And Merchants Bank of Long Beach pays an annual dividend of $108.00 per share and has a dividend yield of 1.3%. Guaranty Bancshares pays out 36.8% of its earnings in the form of a dividend.
This table compares Guaranty Bancshares and Farmers And Merchants Bank of Long Beach’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Farmers And Merchants Bank of Long Beach||29.79%||27.66%||2.65%|
Volatility & Risk
Guaranty Bancshares has a beta of -0.03, meaning that its share price is 103% less volatile than the S&P 500. Comparatively, Farmers And Merchants Bank of Long Beach has a beta of 0.38, meaning that its share price is 62% less volatile than the S&P 500.
Valuation & Earnings
This table compares Guaranty Bancshares and Farmers And Merchants Bank of Long Beach’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Guaranty Bancshares||$103.76 million||3.37||$20.60 million||$1.85||16.16|
|Farmers And Merchants Bank of Long Beach||$279.16 million||3.80||$45.53 million||N/A||N/A|
Farmers And Merchants Bank of Long Beach has higher revenue and earnings than Guaranty Bancshares.
Farmers And Merchants Bank of Long Beach beats Guaranty Bancshares on 8 of the 14 factors compared between the two stocks.
Guaranty Bancshares Company Profile
Guaranty Bancshares, Inc. operates as the bank holding company for Guaranty Bank & Trust, N.A. that provides a range of commercial and consumer banking products and services for small- and medium-sized businesses, professionals, and individuals. It offers various deposit products, such as checking and savings, money market, and business accounts, as well as certificates of deposit; and loan products comprising commercial and industrial, construction and development, 1-4 family residential, commercial real estate, farmland and agricultural, multi-family residential, and consumer loans. The company also provides trust, wealth management, and retirement plan services; online, mobile, and telephone banking, as well as automated teller machine services; debit cards; night depository and direct deposit services; cashier's checks and letters of credit; and treasury management services, including wire transfer, positive pay, remote deposit capture, and automated clearinghouse services. As of December 31, 2018, it operated 30 full service banking locations in East Texas, Central Texas, the Dallas/Fort Worth metropolitan statistical area (MSA), and the Houston MSA. The company was founded in 1913 and is headquartered in Addison, Texas.
Farmers And Merchants Bank of Long Beach Company Profile
Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses in California. The company's products and services include demand and time deposits; commercial real estate, construction, and commercial business loans; and financing for residential loans comprising single-family and multifamily loans. Its personal banking products and services include checking, savings, Christmas club, health savings, money market, and CD accounts; retirement plans, online and mobile banking, and other services; and credit and loans, such as credit cards, home loans, and escrow services. The company's business banking products and services comprise banking services, business checking, money market accounts, retirement plans, business savings, CDs, online banking, mobile banking, merchant services, payroll services, deposit lockbox, remote deposit capture, and other services; and credit and loans, including business credit cards, small business loans, commercial loans, real estate and construction loans, and lines of credit. As of December 31, 2017, it operated 24 branches in Los Angeles County and Orange County. The company was founded in 1907 and is headquartered in Long Beach, California. Farmers & Merchants Bank of Long Beach is a subsidiary of Palomar Enterprises, LLC.
Receive News & Ratings for Guaranty Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Guaranty Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.