Head-To-Head Analysis: Cib Marine Bancshares (OTCMKTS:CIBH) & Franklin Financial Services (NASDAQ:FRAF)

Franklin Financial Services (NASDAQ:FRAF) and Cib Marine Bancshares (OTCMKTS:CIBH) 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, risk, analyst recommendations, institutional ownership, valuation and earnings.

Valuation & Earnings

This table compares Franklin Financial Services and Cib Marine Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Franklin Financial Services	$133.55 million	2.10	$21.23 million	$5.49	11.35
Cib Marine Bancshares	$50.14 million	1.14	$2.07 million	$1.52	27.61

Franklin Financial Services has higher revenue and earnings than Cib Marine Bancshares. Franklin Financial Services is trading at a lower price-to-earnings ratio than Cib Marine Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Franklin Financial Services and Cib Marine Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Franklin Financial Services	18.20%	14.21%	1.08%
Cib Marine Bancshares	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of current recommendations and price targets for Franklin Financial Services and Cib Marine Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Franklin Financial Services	0	1	1	0	2.50
Cib Marine Bancshares	0	0	0	0	0.00

Franklin Financial Services currently has a consensus price target of $68.00, suggesting a potential upside of 9.11%. Given Franklin Financial Services’ stronger consensus rating and higher probable upside, analysts clearly believe Franklin Financial Services is more favorable than Cib Marine Bancshares.

Insider and Institutional Ownership

24.8% of Franklin Financial Services shares are owned by institutional investors. 5.9% of Franklin Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Franklin Financial Services has a beta of -0.02, suggesting that its stock price is 102% less volatile than the S&P 500. Comparatively, Cib Marine Bancshares has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.

Summary

Franklin Financial Services beats Cib Marine Bancshares on 12 of the 14 factors compared between the two stocks.

About Franklin Financial Services

Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides commercial, retail banking, and trust services to businesses, individuals, governmental entities, and non-profit organizations in Pennsylvania. It offers various deposit products, including checking, savings, money management, and time deposit accounts, as well as demand deposits. The company also provides commercial real estate, construction and land development, commercial and industrial, and residential mortgage loans, as well as installment and revolving loans; consumer loans comprising unsecured personal lines of credit and installment loans; and secured and unsecured commercial and industrial loans, including accounts receivable and inventory financing, and commercial equipment financing. In addition, it offers various investment and trust services comprising estate planning and administration, corporate and personal trust fund management, pension, and profit sharing and other employee benefit funds management services, and custodial services, as well as non-trust related investment services; sells mutual funds, annuities, and insurance products; and offers safe deposit, pension, and fiduciary services. Further, the company engages in non-bank investment activities, such as venture capital investments. The company was founded in 1906 and is headquartered in Chambersburg, Pennsylvania.

About Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.