National Commerce (NASDAQ: NCOM) and Anchor Bancorp (NASDAQ:ANCB) are both small-cap financials companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, risk, dividends, institutional ownership and profitability.
Institutional and Insider Ownership
47.9% of National Commerce shares are owned by institutional investors. Comparatively, 45.6% of Anchor Bancorp shares are owned by institutional investors. 19.4% of National Commerce shares are owned by insiders. Comparatively, 5.6% of Anchor Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
This is a breakdown of recent ratings for National Commerce and Anchor Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
National Commerce presently has a consensus price target of $43.00, suggesting a potential upside of 8.18%. Given National Commerce’s higher probable upside, analysts clearly believe National Commerce is more favorable than Anchor Bancorp.
This table compares National Commerce and Anchor Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Valuation & Earnings
This table compares National Commerce and Anchor Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|National Commerce||$88.52 million||6.64||$17.85 million||$1.82||21.84|
|Anchor Bancorp||$24.54 million||2.51||$2.35 million||$1.16||21.34|
National Commerce has higher revenue and earnings than Anchor Bancorp. Anchor Bancorp is trading at a lower price-to-earnings ratio than National Commerce, indicating that it is currently the more affordable of the two stocks.
National Commerce beats Anchor Bancorp on 11 of the 11 factors compared between the two stocks.
National Commerce Company Profile
National Commerce Corporation (NCC) is a financial holding company. The Company is engaged in the business of banking through its banking subsidiary, National Bank of Commerce (the Bank). The Company, through the Bank, provides a range of financial services to businesses, business owners and professionals. It holds interest in CBI Holding Company, LLC, which owns Corporate Billing, LLC, a transaction-based finance company that provides factoring, invoicing, collection and accounts receivable management services to transportation companies, and automotive parts and service providers across the United States and Canada. Its loan portfolio includes construction, land development and other land loans; loans secured by farmland; loans secured by one- to four-family residential properties; loans secured by multifamily residential properties; loans secured by nonfarm nonresidential properties; loans secured by real estate; commercial and industrial loans; consumer loans, and other loans.
Anchor Bancorp Company Profile
Anchor Bancorp is the bank holding company of Anchor Bank (the Bank). The Bank is a community-based savings bank. As of June 30, 2016, the Bank primarily served Western Washington through its 10 full-service banking offices (including a Wal-Mart in-store location) located within Grays Harbor, Thurston, Lewis, Pierce and Mason counties, and a loan production office located in King County, Washington. It is in the business of attracting deposits from the public and utilizing those deposits to originate loans. The Bank offers a range of loan products. The Bank’s operations include commercial banking services, such as lending activities, deposit products and other cash management services. The Bank offers commercial real estate loans and multi-family loans primarily in Western Washington. The Bank offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts and certificates of deposit with a range of rates.
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