Atlantic Coast Financial (NASDAQ: ACFC) is one of 311 public companies in the “Banks” industry, but how does it compare to its peers? We will compare Atlantic Coast Financial to related companies based on the strength of its valuation, profitability, earnings, risk, institutional ownership, analyst recommendations and dividends.

Valuation and Earnings

This table compares Atlantic Coast Financial and its peers revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Atlantic Coast Financial $43.14 million $6.41 million 24.68
Atlantic Coast Financial Competitors $5.49 billion $821.37 million 369.60

Atlantic Coast Financial’s peers have higher revenue and earnings than Atlantic Coast Financial. Atlantic Coast Financial is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

Atlantic Coast Financial has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500. Comparatively, Atlantic Coast Financial’s peers have a beta of 0.81, indicating that their average stock price is 19% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Atlantic Coast Financial and its peers, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Atlantic Coast Financial 0 1 0 0 2.00
Atlantic Coast Financial Competitors 2128 8281 8356 329 2.36

Atlantic Coast Financial presently has a consensus price target of $8.50, suggesting a potential downside of 9.38%. As a group, “Banks” companies have a potential downside of 1.26%. Given Atlantic Coast Financial’s peers stronger consensus rating and higher possible upside, analysts plainly believe Atlantic Coast Financial has less favorable growth aspects than its peers.

Profitability

This table compares Atlantic Coast Financial and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Atlantic Coast Financial 13.96% 4.92% 0.49%
Atlantic Coast Financial Competitors 18.58% 8.43% 0.94%

Insider & Institutional Ownership

55.5% of Atlantic Coast Financial shares are owned by institutional investors. Comparatively, 51.6% of shares of all “Banks” companies are owned by institutional investors. 10.9% of Atlantic Coast Financial shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Atlantic Coast Financial peers beat Atlantic Coast Financial on 10 of the 13 factors compared.

About Atlantic Coast Financial

Atlantic Coast Financial Corporation is a thrift holding company. The Company, through its subsidiary, Atlantic Coast Bank (the Bank), a federally chartered and insured stock savings bank supervised by the Office of the Comptroller of the Currency (the OCC), serves the Northeast Florida, Central Florida and Southeast Georgia markets. The Bank focuses on attracting deposits and investing those funds primarily in loans, including commercial real estate loans, consumer loans, first mortgages on owner-occupied, one- to four-family residences and home equity loans. Additionally, the Bank invests funds in multi-family residential loans, commercial business loans, and commercial and residential construction loans. The Bank originates commercial real estate loans and commercial and industrial loans with small to mid-size businesses for the purposes of purchasing real estate and inventory, financing equipment, and providing working capital.

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