Oxford Bank (OTCMKTS:OXBC – Get Free Report) and Farmers & Merchants Bank of Long Beach (OTCMKTS:FMBL – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, institutional ownership and earnings.
Insider and Institutional Ownership
4.5% of Oxford Bank shares are owned by institutional investors. Comparatively, 7.6% of Farmers & Merchants Bank of Long Beach shares are owned by institutional investors. 12.8% of Farmers & Merchants Bank of Long Beach shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Profitability
This table compares Oxford Bank and Farmers & Merchants Bank of Long Beach’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Oxford Bank | N/A | N/A | N/A |
Farmers & Merchants Bank of Long Beach | 11.52% | 3.97% | 0.44% |
Valuation and Earnings
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Oxford Bank | N/A | N/A | $12.06 million | $4.87 | 6.78 |
Farmers & Merchants Bank of Long Beach | $431.97 million | 1.55 | $70.01 million | $485.58 | 11.22 |
Farmers & Merchants Bank of Long Beach has higher revenue and earnings than Oxford Bank. Oxford Bank is trading at a lower price-to-earnings ratio than Farmers & Merchants Bank of Long Beach, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Oxford Bank has a beta of 0.39, indicating that its share price is 61% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bank of Long Beach has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Oxford Bank and Farmers & Merchants Bank of Long Beach, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Oxford Bank | 0 | 0 | 0 | 0 | N/A |
Farmers & Merchants Bank of Long Beach | 0 | 0 | 0 | 0 | N/A |
Summary
Farmers & Merchants Bank of Long Beach beats Oxford Bank on 10 of the 10 factors compared between the two stocks.
About Oxford Bank
Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.
About Farmers & Merchants Bank of Long Beach
Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses in Los Angeles, Orange, and Santa Barbara Counties. It offers checking, savings, Christmas club savings, health savings, market rate savings, and money market accounts; demand and time deposits; certificates of deposit; and individual retirement account. The company also provides personal, home, commercial real estate, real estate and construction, and commercial business loans, as well as lines of credit; financing for residential loans comprising single-family and multifamily loans; and credit and debit cards. In addition, it offers account management, receivables and payables, and risk management services; commercial lending services; and faith-based and healthcare banking services, as well as online and mobile banking services. Farmers & Merchants Bank of Long Beach was founded in 1907 and is headquartered in Long Beach, California.
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