Contrasting Albina Community Bancorp (OTCMKTS:ACBCQ) & First BanCorp. (NYSE:FBP)

Albina Community Bancorp (OTCMKTS:ACBCQ) and First BanCorp. (NYSE:FBP) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, analyst recommendations, risk, dividends, earnings, institutional ownership and profitability.

Risk and Volatility

Albina Community Bancorp has a beta of 3.3, indicating that its stock price is 230% more volatile than the S&P 500. Comparatively, First BanCorp. has a beta of 1.12, indicating that its stock price is 12% more volatile than the S&P 500.

Insider and Institutional Ownership

97.9% of First BanCorp. shares are owned by institutional investors. 2.5% of First BanCorp. shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Albina Community Bancorp and First 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
First BanCorp.	25.82%	21.58%	1.62%

Analyst Recommendations

This is a breakdown of current recommendations for Albina Community Bancorp and First 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
First BanCorp.	0	1	1	0	2.50

First BanCorp. has a consensus price target of $18.00, indicating a potential downside of 1.59%. Given First BanCorp.’s higher probable upside, analysts clearly believe First BanCorp. is more favorable than Albina Community Bancorp.

Earnings & Valuation

This table compares Albina Community Bancorp and First BanCorp.’s 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
First BanCorp.	$1.16 billion	2.63	$302.86 million	$1.75	10.45

First BanCorp. has higher revenue and earnings than Albina Community Bancorp.

Summary

First 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 First BanCorp.

First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides a range of financial products and services to consumers and commercial customers. The company operates through six segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans, as well as other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; and purchase of mortgage loans from branch and mortgage bankers. The Consumer (Retail) Banking segment provides auto loans, finance leases, boat and personal loans, credit card loans, and lines of credit; and interest-bearing and non-interest-bearing checking and savings accounts, and individual retirement accounts and retail certificates of deposit (CDs), as well as insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans, residential mortgages, term and construction loan, home equity loans, lines of credit, FHLB advances, and brokered CDs; and internet banking, cash management, remote deposit capture, and automated clearing house transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.