Comparing Jacksonville Bancorp (JXSB) & First Defiance Financial (FDEF)

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Jacksonville Bancorp (NASDAQ:JXSB) and First Defiance Financial (NASDAQ:FDEF) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, earnings, dividends, risk, valuation, analyst recommendations and institutional ownership.

Insider and Institutional Ownership

22.1% of Jacksonville Bancorp shares are held by institutional investors. Comparatively, 64.4% of First Defiance Financial shares are held by institutional investors. 22.6% of Jacksonville Bancorp shares are held by insiders. Comparatively, 3.1% of First Defiance Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Jacksonville Bancorp and First Defiance Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jacksonville Bancorp 0 0 0 0 N/A
First Defiance Financial 0 1 1 0 2.50

First Defiance Financial has a consensus target price of $34.00, suggesting a potential upside of 14.56%.

Profitability

This table compares Jacksonville Bancorp and First Defiance Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jacksonville Bancorp N/A N/A N/A
First Defiance Financial 28.21% 11.80% 1.49%

Dividends

Jacksonville Bancorp pays an annual dividend of $0.40 per share. First Defiance Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.3%. First Defiance Financial pays out 30.5% of its earnings in the form of a dividend. Jacksonville Bancorp has increased its dividend for 3 consecutive years and First Defiance Financial has increased its dividend for 6 consecutive years. First Defiance Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Valuation & Earnings

This table compares Jacksonville Bancorp and First Defiance Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jacksonville Bancorp N/A N/A N/A N/A N/A
First Defiance Financial $163.93 million 3.69 $46.25 million $2.23 13.31

First Defiance Financial has higher revenue and earnings than Jacksonville Bancorp.

Summary

First Defiance Financial beats Jacksonville Bancorp on 8 of the 10 factors compared between the two stocks.

Jacksonville Bancorp Company Profile

Jacksonville Bancorp, Inc. operates as the bank holding company for Jacksonville Savings Bank that provides various banking products and services in Illinois. The company offers various deposit products, including interest-bearing and noninterest-bearing checking accounts, savings accounts, money market accounts, term certificate accounts, and individual retirement accounts. It also provides loans, such as real estate loans, including one-to four-family residential mortgage loans, commercial and agricultural real estate loans, and home equity loans; commercial and agricultural business loans; and consumer loans comprising automobile loans, loans secured by deposit accounts, unsecured loans, and mobile home loans. In addition, the company buys and sells stocks, bonds, annuities, and mutual funds for its customers' accounts; and provides asset management, investment, and trust services. Jacksonville Bancorp, Inc. conducts its business operations through its main office and two branch offices located in Jacksonville, as well as branch offices in Virden, Litchfield, and Chapin, Illinois. Jacksonville Bancorp, Inc. was founded in 1916 and is based in Jacksonville, Illinois.

First Defiance Financial Company Profile

First Defiance Financial Corp. operates as a unitary thrift holding company that provides community-based financial services in northwest Ohio, northeast Indiana, and southeastern Michigan. It offers checking accounts, money market accounts, savings accounts, term certificate accounts, and certificates of deposit, as well as Certificate of Deposit Account Registry Service; and consumer finance, 1-4 family residential real estate, commercial real estate, construction, consumer, commercial, and home equity and improvement loans. The company also offers trust and wealth management services, as well as online banking services. In addition, it sells various property and casualty, group health and life, and individual health and life insurance products. The company operates through 43 full service banking centers, as well as 1 loan production office. First Defiance Financial Corp. was incorporated in 1995 and is headquartered in Defiance, Ohio.

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