Guaranty Bancshares (NASDAQ: GNTY) and Bank Of Princeton (NASDAQ:BPRN) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, profitability, risk, institutional ownership, dividends, valuation and earnings.
Earnings & Valuation
This table compares Guaranty Bancshares and Bank Of Princeton’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Guaranty Bancshares||$86.06 million||4.01||$14.44 million||$1.41||22.11|
|Bank Of Princeton||$50.80 million||3.75||N/A||N/A||N/A|
Institutional & Insider Ownership
20.7% of Guaranty Bancshares shares are held by institutional investors. Comparatively, 24.4% of Bank Of Princeton shares are held by institutional investors. 34.1% of Guaranty Bancshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
This is a breakdown of current ratings and price targets for Guaranty Bancshares and Bank Of Princeton, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bank Of Princeton||0||1||3||0||2.75|
Guaranty Bancshares presently has a consensus target price of $33.50, suggesting a potential upside of 7.44%. Bank Of Princeton has a consensus target price of $36.50, suggesting a potential upside of 14.06%. Given Bank Of Princeton’s stronger consensus rating and higher probable upside, analysts clearly believe Bank Of Princeton is more favorable than Guaranty Bancshares.
Guaranty Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 1.8%. Bank Of Princeton does not pay a dividend. Guaranty Bancshares pays out 39.7% of its earnings in the form of a dividend.
This table compares Guaranty Bancshares and Bank Of Princeton’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bank Of Princeton||N/A||N/A||N/A|
Guaranty Bancshares beats Bank Of Princeton on 7 of the 12 factors compared between the two stocks.
About Guaranty Bancshares
Guaranty Bancshares, Inc. is the holding company for Guaranty Bank & Trust (Guaranty). Guaranty offers various solutions, such as personal banking, business banking, mortgage and wealth management. Its personal banking solutions include checking accounts, which include compare accounts, green checking, student checking, choice checking, guaranty interest checking, order checks and debit cards; savings accounts, which include regular savings, premier money market, certificate of deposit, individual retirement account (IRA) options and health savings account, and online banking, which includes money desktop and e-statements. Guaranty offers various loans, including line of credit, small business administration loans and real estate loans. Guaranty also offers mobile banking solutions, mortgage warehouse lending solutions and treasury management solutions. It has approximately 30 bank locations in over 20 Texas communities.
About Bank Of Princeton
The Bank of Princeton provides various banking products and services in the United States. The company offers checking accounts, savings accounts, attorney trust accounts, money market accounts, and certificates of deposit; and commercial real estate, commercial and industrial, construction, residential first-lien mortgage, home equity, and consumer loans, as well as lines of credit. It also provides money order, cashiers check, wire transfer, savings bonds redemption, debit card, direct deposit, safe deposit box, night depository, automated teller machine, and remote deposit capture services, as well as online and telephone banking services. The company operates 13 branches in Princeton, including parts of Mercer, Somerset, Hunterdon, Monmouth, and Middlesex Counties in central New Jersey, as well as portions of Philadelphia, Montgomery, and Bucks Counties in Pennsylvania. The Bank of Princeton was founded in 2007 and is headquartered in Princeton, New Jersey.
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