FVCBANKCORP Inc/SH (OTCMKTS:FVCB) and VSB Bancorp (OTCMKTS:VSBN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, profitability, dividends, earnings and analyst recommendations.

Valuation & Earnings

This table compares FVCBANKCORP Inc/SH and VSB Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FVCBANKCORP Inc/SH N/A N/A N/A N/A N/A
VSB Bancorp $14.97 million 2.63 $2.55 million N/A N/A

VSB Bancorp has higher revenue and earnings than FVCBANKCORP Inc/SH.

Analyst Ratings

This is a summary of current ratings and target prices for FVCBANKCORP Inc/SH and VSB Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FVCBANKCORP Inc/SH 0 0 0 1 4.00
VSB Bancorp 0 0 0 0 N/A

FVCBANKCORP Inc/SH currently has a consensus price target of $21.00, suggesting a potential upside of 24.85%. Given FVCBANKCORP Inc/SH’s higher possible upside, equities analysts plainly believe FVCBANKCORP Inc/SH is more favorable than VSB Bancorp.

Profitability

This table compares FVCBANKCORP Inc/SH and VSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FVCBANKCORP Inc/SH N/A N/A N/A
VSB Bancorp 16.82% 7.68% 0.71%

Institutional & Insider Ownership

4.2% of FVCBANKCORP Inc/SH shares are held by institutional investors. Comparatively, 3.4% of VSB Bancorp shares are held by institutional investors. 30.0% of VSB Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

VSB Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.3%. FVCBANKCORP Inc/SH does not pay a dividend.

Summary

VSB Bancorp beats FVCBANKCORP Inc/SH on 6 of the 9 factors compared between the two stocks.

FVCBANKCORP Inc/SH Company Profile

FVCBankcorp, Inc. provides various banking products and services in Fairfax, Virginia. It offers various personal and business banking products and services, such as checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts. The company also provides business lines of credit, business automated overdraft lines of credit, business owner's guidance lines of credit, business loans, business construction loans, business loans for emerging residential builders, business mortgage loans, and business loans for professionals; commercial real estate lending, including office, retail, industrial, warehouse/flex space, non-profit, mini-storage facilities, multi-family, commercial construction, residential/multi-family construction, land acquisitions, and bridge loans; and automobile and personal loans, as well as overdraft lines of credit on various personal checking accounts. In addition, it offers credit cards and online banking services. Further, the company provides treasury management services comprising automated clearing house services, merchant services, zero balance and escrow accounts, and ACH positive authorization services; and government contractor banking services. Additionally, it offers life, disability, auto, homeowners coverage, building/property, business interruption, general liability, cybersecurity, employee health benefits, and contractor/builder bonds insurance products. FVCBankcorp, Inc. was founded in 2015 and is headquartered in Fairfax, Virginia.

VSB Bancorp Company Profile

VSB Bancorp, Inc. operates as the holding company for Victory State Bank that provides commercial and retail banking products and services primarily in Staten Island, New York. It accepts various deposits from individuals and businesses; grants loans; and invests funds primarily in government securities, mortgage backed securities, and collateralized mortgage obligations, as well as provides Internet banking services. The operates five full service located in Great Kills, Forest Avenue, Hyatt Street, Hylan Boulevard, and Bay Street, Staten Island. VSB Bancorp, Inc. was founded in 1997 and is based in Staten Island, New York.

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