Summit State Bank (NASDAQ:SSBI) and Mainstreet Bank Common Stock (Virginia) (OTCMKTS:MNSB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, risk, earnings, dividends and valuation.

Volatility and Risk

Summit State Bank has a beta of 0.35, indicating that its share price is 65% less volatile than the S&P 500. Comparatively, Mainstreet Bank Common Stock (Virginia) has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500.

Valuation & Earnings

This table compares Summit State Bank and Mainstreet Bank Common Stock (Virginia)’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Summit State Bank $32.66 million 1.80 $6.48 million N/A N/A
Mainstreet Bank Common Stock (Virginia) $47.07 million 3.08 $9.21 million $1.38 12.73

Mainstreet Bank Common Stock (Virginia) has higher revenue and earnings than Summit State Bank.

Profitability

This table compares Summit State Bank and Mainstreet Bank Common Stock (Virginia)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Summit State Bank 19.83% N/A N/A
Mainstreet Bank Common Stock (Virginia) 19.56% N/A N/A

Insider and Institutional Ownership

13.5% of Summit State Bank shares are owned by institutional investors. Comparatively, 14.6% of Mainstreet Bank Common Stock (Virginia) shares are owned by institutional investors. 16.4% of Mainstreet Bank Common Stock (Virginia) shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Summit State Bank and Mainstreet Bank Common Stock (Virginia), as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Summit State Bank 0 0 0 0 N/A
Mainstreet Bank Common Stock (Virginia) 0 0 0 0 N/A

Summary

Mainstreet Bank Common Stock (Virginia) beats Summit State Bank on 7 of the 8 factors compared between the two stocks.

Summit State Bank Company Profile

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and Keogh and individual retirement accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; and home equity lines of credit, as well as term loans, credit lines to individuals, equipment loans, and business lines of credit. Its loan products also comprise loans for accounts receivable and inventory financing, loans to agriculture-related businesses, and equipment and expansion financing programs. In addition, the company provides Internet and telephone banking; and other services, including banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers cash management and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production office in Roseville, California. Summit State Bank was founded in 1982 and is headquartered in Santa Rosa, California.

Mainstreet Bank Common Stock (Virginia) Company Profile

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking services for businesses and individuals. It offers a range of deposit products, such as checking accounts, savings accounts, money market accounts, and certificate of deposits. The company also provides loans for construction, renovations and improvements, commercial real estate, rental property, working capital, business, and land loans, as well as government contract loans, line of credit or seasonal line of credit, mortgage loans, auto loans, and term loans. In addition, it offers debit and credit cards, overdraft protection, insurance, and online and mobile banking services, as well as cash management, merchant, payment processing, check scanning, and lockbox services. The company operates five branches in Herndon, Fairfax, Fairfax City, McLean, and Clarendon, as well as has 55,000 ATMs. MainStreet Bancshares, Inc. was founded in 2003 and is headquartered in Fairfax, Virginia.



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