Surrey Bancorp (OTCMKTS:SRYB) and Community Shores Bank (OTCMKTS:CSHB) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership and profitability.

Institutional and Insider Ownership

4.1% of Surrey Bancorp shares are owned by institutional investors. 33.7% of Surrey Bancorp shares are owned by insiders. Comparatively, 39.7% of Community Shores Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Volatility and Risk

Surrey Bancorp has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500. Comparatively, Community Shores Bank has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500.

Earnings and Valuation

This table compares Surrey Bancorp and Community Shores Bank’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Surrey Bancorp $16.35 million 3.67 $5.10 million N/A N/A
Community Shores Bank $8.94 million 1.52 -$980,000.00 N/A N/A

Surrey Bancorp has higher revenue and earnings than Community Shores Bank.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Surrey Bancorp and Community Shores Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Surrey Bancorp 0 0 0 0 N/A
Community Shores Bank 0 0 0 0 N/A

Profitability

This table compares Surrey Bancorp and Community Shores Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Surrey Bancorp 31.20% N/A N/A
Community Shores Bank N/A N/A N/A

Dividends

Surrey Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.7%. Community Shores Bank does not pay a dividend.

Summary

Surrey Bancorp beats Community Shores Bank on 6 of the 8 factors compared between the two stocks.

Surrey Bancorp Company Profile

Surrey Bancorp operates as the bank holding company for Surrey Bank & Trust that provides banking services for individuals and small to medium sized businesses in Surry County, North Carolina and Patrick County, Virginia, and the surrounding area. Its deposit products include checking accounts, savings accounts, certificates of deposit, and individual retirement accounts. The company also offers mortgages, real estate loans, personal loans and lines of credit, commercial credit products, government-guaranteed loans, and credit cards. In addition, the company provides cash management services, electronic banking, other business services, international services, merchant card services, commercial and personal property and casualty insurance, and brokerage and investment services. The company was founded in 1996 and is based in Mount Airy, North Carolina.

Community Shores Bank Company Profile

Community Shores Bank Corporation operates as the holding company for Community Shores Bank, a community bank that provides various commercial and consumer banking services primarily in the communities of Muskegon County and Northern Ottawa County, Michigan. The company offers various deposit services, including checking and savings accounts, time deposits, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises fixed rate and adjustable rates loans, construction loans and loans for condominiums; home equity loans; and construction permanent loans. The company also provides installment loans and credit lines, including automobile loans, boat loans, recreational vehicle loans, home improvement loans, personal loans, and personal lines of credit; credit cards; and business loans, such as small business lines of credit, term loans commercial real estate loans, letters of credit, and SBA loans. In addition, it offers electronic and mobile banking services; overdrafts; re-order checks, wire transfers, safe deposit boxes, notary services, ATM and one-time debit card overdraft opt-in, gift cards, and courier services; and investment products. The company serves individuals, businesses, schools, associations, churches, nonprofit organizations, financial institutions, and government authorities. Community Shores Bank Corporation was founded in 1998 and is based in Muskegon, Michigan.

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