Analyzing Jeffersonville Bancorp (OTCMKTS:JFBC) & SouthCrest Financial Group (OTCMKTS:SCSG)

SouthCrest Financial Group (OTCMKTS:SCSG) and Jeffersonville Bancorp (OTCMKTS:JFBC) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, profitability, institutional ownership, analyst recommendations, dividends and earnings.

Institutional & Insider Ownership

8.7% of SouthCrest Financial Group shares are owned by institutional investors. Comparatively, 1.0% of Jeffersonville Bancorp shares are owned by institutional investors. 8.4% of Jeffersonville Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Valuation & Earnings

This table compares SouthCrest Financial Group and Jeffersonville Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SouthCrest Financial Group $24.75 million 2.27 $13.66 million N/A N/A
Jeffersonville Bancorp $23.56 million 3.10 $6.20 million N/A N/A

SouthCrest Financial Group has higher revenue and earnings than Jeffersonville Bancorp.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for SouthCrest Financial Group and Jeffersonville Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SouthCrest Financial Group 0 0 1 0 3.00
Jeffersonville Bancorp 0 0 0 0 N/A

Volatility and Risk

SouthCrest Financial Group has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500. Comparatively, Jeffersonville Bancorp has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.

Dividends

SouthCrest Financial Group pays an annual dividend of $0.20 per share and has a dividend yield of 2.2%. Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.5%.

Profitability

This table compares SouthCrest Financial Group and Jeffersonville Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SouthCrest Financial Group N/A N/A N/A
Jeffersonville Bancorp 27.07% 10.03% 1.30%

Summary

Jeffersonville Bancorp beats SouthCrest Financial Group on 6 of the 11 factors compared between the two stocks.

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.

Jeffersonville Bancorp Company Profile

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers personal checking accounts; and small business checking, business checking, NOW checking, estate checking, non-profit checking, and interest on lawyer accounts. It also provides personal loan products, such as auto/RV/motorcycle/boat loans, home improvement, debt consolidation, check loans, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installments, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides personal savings, business savings, and retirement accounts. Additionally, the company offers credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of March 16, 2018, it had 11 full service branches in Sullivan County and 1 branch in Orange County. The company was founded in 1913 and is based in Jeffersonville, New York.

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