Ames National (NASDAQ:ATLO) and Pacific Valley Bank (OTCMKTS:PVBK) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, dividends, earnings, risk, analyst recommendations, valuation and institutional ownership.
Institutional & Insider Ownership
24.0% of Ames National shares are owned by institutional investors. 8.4% of Ames National shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
This table compares Ames National and Pacific Valley Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pacific Valley Bank||N/A||N/A||N/A|
Ames National pays an annual dividend of $0.92 per share and has a dividend yield of 3.6%. Pacific Valley Bank does not pay a dividend. Ames National has increased its dividend for 3 consecutive years.
This is a summary of current recommendations and price targets for Ames National and Pacific Valley Bank, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pacific Valley Bank||0||0||0||0||N/A|
Earnings and Valuation
This table compares Ames National and Pacific Valley Bank’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Ames National||$53.79 million||4.40||$13.69 million||N/A||N/A|
|Pacific Valley Bank||N/A||N/A||N/A||N/A||N/A|
Ames National has higher revenue and earnings than Pacific Valley Bank.
Risk and Volatility
Ames National has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500. Comparatively, Pacific Valley Bank has a beta of 0.26, meaning that its stock price is 74% less volatile than the S&P 500.
Ames National beats Pacific Valley Bank on 9 of the 9 factors compared between the two stocks.
About Ames National
Ames National Corporation operates as a multi-bank holding company that provides banking services primarily in the central and north central Iowa counties of Boone, Hancock, Marshall, Polk, and Story. The company offers a range of deposits, including checking accounts, savings accounts, time deposits, money market accounts, demand deposits, and certificates of deposit; and loans, such as short-term and medium-term commercial and agricultural real estate loans, residential real estate loans, equipment loans, vehicle loans, personal loans and lines of credit, home improvement loans, and mortgage loans for sale into the secondary market, as well as agricultural and business operating loans and lines of credit. It also provides cash management, merchant credit card processing, safe deposit box and wire transfer, direct deposit of payroll and social security checks, and automated/video teller machine access services, as well as automatic drafts for various accounts. In addition, the company offers farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and Internet banking and trust services. Ames National Corporation was founded in 1903 and is based in Ames, Iowa.
About Pacific Valley Bank
Pacific Valley Bank provides personal and business banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides business and consumer loans; debit cards; and online and mobile banking, bill pay, remote deposit capture, and bank to bank transfer services, as well as e-statements and order checks. The company was founded in 2004 and is based in Salinas, California.
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