Bancorp 34 (OTCMKTS:BCTF) versus Frederick County Bancorp (MD) (OTCMKTS:FCBI) Critical Review

Valuation and Earnings

This table compares Frederick County Bancorp (MD) and Bancorp 34″s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Frederick County Bancorp (MD)	$18.62 million	3.11	$2.96 million	N/A	N/A
Bancorp 34	$28.85 million	2.78	-$3.40 million	$0.75	16.02

Frederick County Bancorp (MD) has higher earnings, but lower revenue than Bancorp 34.

Profitability

This table compares Frederick County Bancorp (MD) and Bancorp 34’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Frederick County Bancorp (MD)	11.41%	N/A	N/A
Bancorp 34	-0.27%	-0.17%	-0.02%

Insider & Institutional Ownership

6.5% of Bancorp 34 shares are owned by institutional investors. 32.2% of Frederick County Bancorp (MD) shares are owned by insiders. Comparatively, 7.4% of Bancorp 34 shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Risk & Volatility

Frederick County Bancorp (MD) has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500. Comparatively, Bancorp 34 has a beta of 0.24, meaning that its stock price is 76% less volatile than the S&P 500.

Dividends

Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Bancorp 34 pays an annual dividend of $0.28 per share and has a dividend yield of 2.3%. Bancorp 34 pays out 37.3% of its earnings in the form of a dividend.

Summary

Frederick County Bancorp (MD) beats Bancorp 34 on 9 of the 12 factors compared between the two stocks.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company was founded in 2001 and is headquartered in Frederick, Maryland.

About Bancorp 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; multi-family finance; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; treasury management products; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.