FRIENDLY HILLS/SH SH (OTCMKTS:FHLB) and ST BK CORP/SH SH (OTCMKTS:SBAZ) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, profitability, dividends, valuation and risk.

Volatility and Risk

FRIENDLY HILLS/SH SH has a beta of 1.37, indicating that its share price is 37% more volatile than the S&P 500. Comparatively, ST BK CORP/SH SH has a beta of 0.03, indicating that its share price is 97% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for FRIENDLY HILLS/SH SH and ST BK CORP/SH SH, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FRIENDLY HILLS/SH SH 0 0 0 0 N/A
ST BK CORP/SH SH 0 0 0 0 N/A

Dividends

ST BK CORP/SH SH pays an annual dividend of $0.30 per share and has a dividend yield of 2.3%. FRIENDLY HILLS/SH SH does not pay a dividend.

Earnings & Valuation

This table compares FRIENDLY HILLS/SH SH and ST BK CORP/SH SH’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FRIENDLY HILLS/SH SH $9.74 million 1.79 $910,000.00 N/A N/A
ST BK CORP/SH SH $30.97 million 3.39 $8.58 million N/A N/A

ST BK CORP/SH SH has higher revenue and earnings than FRIENDLY HILLS/SH SH.

Profitability

This table compares FRIENDLY HILLS/SH SH and ST BK CORP/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FRIENDLY HILLS/SH SH 13.15% N/A N/A
ST BK CORP/SH SH 27.71% 14.10% 1.34%

Summary

ST BK CORP/SH SH beats FRIENDLY HILLS/SH SH on 7 of the 9 factors compared between the two stocks.

About FRIENDLY HILLS/SH SH

Friendly Hills Bank, a community bank, provides financial services and banking products. The company offers deposit products, such as business checking and savings accounts; checking plans, including personal, interest, and e checking plans; savings plans comprising personal savings, personal high yield money market accounts, health savings accounts, and fixed term time certificates of deposit; and individual retirement accounts. It also provides business loan products consisting of working capital and professional lines of credit, commercial real estate financing loans, construction financing loans, business expansion loans, small business administration loans, and letters of credit, as well as machinery, commercial vehicle, and equipment financing services; and consumer loans that include home equity lines of credit, home equity loans, automobile loans, and personal loans. In addition, the company offers cash management services; business professional services; automated clearing house, business online banking, courier, check images and checking account statements, merchant credit card, and remote deposit capture services; sweep accounts; and wire transfers. Further, it provides personal online banking services; and other services, such as overdraft protection, automated teller machines, credit and debit cards, and direct deposits. The company serves small and middle-market businesses, and individuals located primarily in the Los Angeles and Orange County areas of California. It operates two full-service branches in Whittier and Santa Fe Springs, California. The company was founded in 2006 and is headquartered in Whittier, California.

About ST BK CORP/SH SH

State Bank Corp. engages in the provision of deposit and loan products through its subsidiary. It offers its products to individuals, businesses and professionals throughout Arizona. The company was founded in 2004 and is headquartered in Lake Havasu City, AZ.

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