PB Bancorp (NASDAQ:PBBI) and Salisbury Bancorp (NASDAQ:SAL) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, institutional ownership, risk, valuation, analyst recommendations, dividends and earnings.

Institutional and Insider Ownership

34.8% of PB Bancorp shares are held by institutional investors. Comparatively, 9.4% of Salisbury Bancorp shares are held by institutional investors. 10.9% of PB Bancorp shares are held by insiders. Comparatively, 13.0% of Salisbury Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares PB Bancorp and Salisbury Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PB Bancorp 19.17% 4.65% 0.75%
Salisbury Bancorp 15.48% 8.71% 0.82%

Valuation & Earnings

This table compares PB Bancorp and Salisbury Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PB Bancorp $20.09 million 4.16 $3.12 million N/A N/A
Salisbury Bancorp $43.76 million 2.43 $6.25 million $2.82 13.49

Salisbury Bancorp has higher revenue and earnings than PB Bancorp.

Dividends

PB Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 2.6%. Salisbury Bancorp pays an annual dividend of $1.12 per share and has a dividend yield of 2.9%. Salisbury Bancorp pays out 39.7% of its earnings in the form of a dividend.

Volatility and Risk

PB Bancorp has a beta of 0.36, suggesting that its stock price is 64% less volatile than the S&P 500. Comparatively, Salisbury Bancorp has a beta of 0.5, suggesting that its stock price is 50% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations for PB Bancorp and Salisbury Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PB Bancorp 0 0 0 0 N/A
Salisbury Bancorp 0 0 0 0 N/A

Summary

Salisbury Bancorp beats PB Bancorp on 7 of the 12 factors compared between the two stocks.

PB Bancorp Company Profile

PB Bancorp, Inc. operates as the holding company of Putnam Bank that provides various banking products and services to individuals and small business customers primarily in Connecticut. It offers a range of deposits, including checking, savings, and money market deposit accounts, as well as negotiable order of withdrawal accounts and fixed-term certificates of deposit. The company's loan portfolio comprises residential real estate loans, including one-to four-family mortgage loans, residential construction loans, second mortgage loans, and home equity lines of credit; commercial real estate loans comprising multi-family real estate loans; commercial loans, such as term loans and revolving lines of credit; and consumer and other loans. In addition, it invests in securities. As of October 4, 2018, PB Bancorp, Inc. operated through its eight full-service offices and a full-service loan center in Putnam, Connecticut. It also operates through a special needs limited branch and limited services mobile office. The company was founded in 1862 and is headquartered in Putnam, Connecticut.

Salisbury Bancorp Company Profile

Salisbury Bancorp, Inc. is a bank holding company, which engages in the provision of financial and commercial banking services. Its products include money market and health savings accounts, mortgage loans, checking and savings accounts, retirement plans, business loans, investment management, trust and estate planning, online and mobile banking, and direct deposits. The company was founded on August 24, 1998 and is headquartered in Lakeville, CT.

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