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

Profitability

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

Net Margins Return on Equity Return on Assets
FRIENDLY HILLS/SH SH 13.99% 8.08% 0.90%
Avidbank 25.14% 12.24% 1.35%

Valuation & Earnings

This table compares FRIENDLY HILLS/SH SH and Avidbank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FRIENDLY HILLS/SH SH $9.74 million 1.84 $910,000.00 N/A N/A
Avidbank $45.30 million 3.04 $11.12 million N/A N/A

Avidbank has higher revenue and earnings than FRIENDLY HILLS/SH SH.

Analyst Recommendations

This is a breakdown of current recommendations for FRIENDLY HILLS/SH SH and Avidbank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FRIENDLY HILLS/SH SH 0 0 0 0 N/A
Avidbank 0 0 0 0 N/A

Risk and Volatility

FRIENDLY HILLS/SH SH has a beta of 1.18, indicating that its share price is 18% more volatile than the S&P 500. Comparatively, Avidbank has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500.

Institutional & Insider Ownership

10.0% of Avidbank shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

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

FRIENDLY HILLS/SH SH Company Profile

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.

Avidbank Company Profile

Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mateo, San Francisco, and Santa Clara counties. The company offers business and personal deposit products, such as checking account, money market account, saving account, and certificates of deposit. Its personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking offers working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending offers permanent loans and bridge financing products. The company provides financing solutions, such as technology and asset-based lending, and sponsor finance. The company also offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC – real estate secured loans. In addition, it provides various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.

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