SEC BANCORP INC/SH SH (OTCMKTS:SCYT) and First Northern Community Bancorp (OTCMKTS:FNRN) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, valuation, risk, institutional ownership and earnings.

Dividends

SEC BANCORP INC/SH SH pays an annual dividend of $1.00 per share and has a dividend yield of 1.8%. First Northern Community Bancorp does not pay a dividend.

Risk & Volatility

SEC BANCORP INC/SH SH has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500. Comparatively, First Northern Community Bancorp has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for SEC BANCORP INC/SH SH and First Northern Community Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SEC BANCORP INC/SH SH 0 0 0 0 N/A
First Northern Community Bancorp 0 0 0 0 N/A

Institutional & Insider Ownership

3.4% of First Northern Community Bancorp shares are held by institutional investors. 9.7% of First Northern Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares SEC BANCORP INC/SH SH and First Northern Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SEC BANCORP INC/SH SH N/A N/A N/A
First Northern Community Bancorp 19.79% 11.48% 0.97%

Earnings and Valuation

This table compares SEC BANCORP INC/SH SH and First Northern Community Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SEC BANCORP INC/SH SH N/A N/A N/A N/A N/A
First Northern Community Bancorp $48.14 million 2.64 $8.74 million N/A N/A

First Northern Community Bancorp has higher revenue and earnings than SEC BANCORP INC/SH SH.

Summary

First Northern Community Bancorp beats SEC BANCORP INC/SH SH on 7 of the 8 factors compared between the two stocks.

About SEC BANCORP INC/SH SH

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank of McMinnville that provides banking, financial, and mortgage services to individual and corporate customers primarily in Warren County, Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposits. It also offers consumer loans comprising installment loans, home equity lines of credit, home loans, and mortgage loans; and commercial loans, including installment loans and lines of credit loans. In addition, the company provides trust/investment services; annuities and mutual funds; insurance products, such as credit life, accident and health, mortgage protection, and term life insurance products; and Internet and mobile banking services. It operates three full-service bank locations and four ATM locations in Warren County. Security Bancorp, Inc. was founded in 1960 is headquartered in McMinnville, Tennessee.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the holding company for First Northern Bank of Dixon, a state-chartered bank that provides commercial banking services to individuals and small to medium sized businesses in California. It accepts demand, interest bearing transaction, savings and money market, and time deposits. The company also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, it offers investment and brokerage services; alternative investment products and services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, the company provides credit cards; issues cashier's checks; sells travelers' checks; rents safe deposit boxes; and offers other customary banking services. It operates 10 full service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and an asset management and trust department in Downtown Sacramento. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

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