Access National (NASDAQ:ANCX) and Community First Bancshares (NASDAQ:CFBI) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.

Risk & Volatility

Access National has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500. Comparatively, Community First Bancshares has a beta of 0.55, suggesting that its stock price is 45% less volatile than the S&P 500.

Profitability

This table compares Access National and Community First Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Access National 19.04% 8.06% 1.19%
Community First Bancshares 1.35% 0.27% 0.07%

Valuation & Earnings

This table compares Access National and Community First Bancshares’ gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Access National $127.57 million 4.38 $16.50 million $1.61 16.68
Community First Bancshares $13.68 million 6.48 N/A N/A N/A

Access National has higher revenue and earnings than Community First Bancshares.

Insider and Institutional Ownership

43.9% of Access National shares are held by institutional investors. Comparatively, 1.7% of Community First Bancshares shares are held by institutional investors. 14.1% of Access National shares are held by company insiders. Comparatively, 1.4% of Community First Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Dividends

Access National pays an annual dividend of $0.64 per share and has a dividend yield of 2.4%. Community First Bancshares does not pay a dividend. Access National pays out 39.8% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Access National and Community First Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Access National 0 3 3 0 2.50
Community First Bancshares 0 0 0 0 N/A

Access National currently has a consensus target price of $30.60, indicating a potential upside of 13.92%. Given Access National’s higher probable upside, equities analysts clearly believe Access National is more favorable than Community First Bancshares.

Summary

Access National beats Community First Bancshares on 10 of the 13 factors compared between the two stocks.

Access National Company Profile

Access National Corporation operates as the bank holding company for Access National Bank that provides credit, deposit, mortgage, and wealth management services to small and medium sized businesses, professionals, and associated individuals primarily in the greater Washington, D.C. Metropolitan Area. The company operates through three segments: Commercial Banking, Mortgage Banking, and Wealth Management. It offers checking, savings/money market, sweep, and zero balance accounts; investment management, financial planning, lockbox payment processing, payroll, and retirement account services, as well as certificates of deposit, qualified and employer sponsored retirement plans, and overnight investments; and loan products, including residential mortgage, asset secured, business investment, construction, and lot and land loans. In addition, the company provides lending products, such as accounts receivable lines of credit and collection; growth capital term loans; partner buyout funding; business acquisition, franchise, and equipment financing, as well as debt re-financing; and commercial mortgage and construction, and SBA preferred lender loans. The company operates from 15 banking centers located in Chantilly, Tysons, Reston, Leesburg, Manassas, Arlington, Alexandria, Ashburn, Gainesville, Marshall, Middleburg, Purcellville, Richmond, and Warrenton in Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.

Community First Bancshares Company Profile

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through a main office and two branch offices in Covington, Georgia; and a loan production office in Bogart, Georgia. The company was founded in 1928 and is based in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

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