Head to Head Survey: County Bancorp (ICBK) versus Atlantic Capital Bancshares (ACBI)

County Bancorp (NASDAQ:ICBK) and Atlantic Capital Bancshares (NASDAQ:ACBI) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, institutional ownership, profitability and analyst recommendations.

Dividends

County Bancorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. Atlantic Capital Bancshares does not pay a dividend. County Bancorp pays out 18.8% of its earnings in the form of a dividend. County Bancorp has raised its dividend for 2 consecutive years.

Insider and Institutional Ownership

26.4% of County Bancorp shares are held by institutional investors. Comparatively, 85.5% of Atlantic Capital Bancshares shares are held by institutional investors. 25.6% of County Bancorp shares are held by company insiders. Comparatively, 3.4% of Atlantic Capital Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares County Bancorp and Atlantic Capital Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
County Bancorp 19.40% 9.93% 0.92%
Atlantic Capital Bancshares 3.55% 6.95% 0.78%

Earnings & Valuation

This table compares County Bancorp and Atlantic Capital Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
County Bancorp $60.70 million 2.36 $10.42 million $1.49 14.36
Atlantic Capital Bancshares $112.46 million 4.27 -$3.72 million $0.53 34.74

County Bancorp has higher earnings, but lower revenue than Atlantic Capital Bancshares. County Bancorp is trading at a lower price-to-earnings ratio than Atlantic Capital Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings and target prices for County Bancorp and Atlantic Capital Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
County Bancorp 0 1 3 0 2.75
Atlantic Capital Bancshares 0 1 4 0 2.80

County Bancorp presently has a consensus price target of $29.00, indicating a potential upside of 35.51%. Atlantic Capital Bancshares has a consensus price target of $19.50, indicating a potential upside of 5.92%. Given County Bancorp’s higher possible upside, research analysts clearly believe County Bancorp is more favorable than Atlantic Capital Bancshares.

Volatility & Risk

County Bancorp has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500. Comparatively, Atlantic Capital Bancshares has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500.

Summary

County Bancorp beats Atlantic Capital Bancshares on 9 of the 17 factors compared between the two stocks.

About County Bancorp

County Bancorp, Inc. operates as the bank holding company for Investors Community Bank that provides a range of banking and related financial services to individuals, businesses, and industries in northeastern and central Wisconsin. The company accepts demand interest bearing and noninterest bearing, money market deposit, NOW, checking, and savings accounts, as well as time deposits. It also offers agricultural loans; commercial and industrial loans, such as conventional term loans, and lines of credit and government guaranteed loans; commercial real estate mortgage loans, including multi-family investment properties and investment retail, office, mini-storage, and warehouse loans; and consumer, personal, and residential real estate loans on a collateralized and non-collateralized basis. In addition, the company provides mobile and Internet banking, remote merchant deposit capture, cash management, safe deposit, direct deposit, notary, night depository, cashier's check, and drive-in teller services, as well as credit, debit, and ATM cards; and crop insurance and milk margin products. It operates full-service branches in Manitowoc, Appleton, Green Bay, and Stevens Point; and loan production offices in Darlington, Eau Claire, Fond du Lac, and Sheboygan. County Bancorp, Inc. was founded in 1996 and is headquartered in Manitowoc, Wisconsin.

About Atlantic Capital Bancshares

Atlantic Capital Bancshares, Inc. operates as the holding company for Atlantic Capital Bank, N.A. that provides commercial banking products and services in the United States. The company offers NOW, money market, savings, checking, time, Internet and brokered, and demand deposits; working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, letters of credit, installment and term loans, and home equity lines of credit; residential mortgage loans; and commercial real estate loans, including secured construction loans, secured mini-permanent loans, and secured or unsecured lines of credit. It also provides trust and wealth management, treasury management, and depository services; electronic payment services to payroll companies and other high transaction volume clients; capital market services; small business administration and franchise program loans; and online and mobile banking services. The company serves corporate and business clients in various industry sectors, such as industrial and manufacturing, financial services, business services, not-for-profit, consumer service, and retail; and public real estate investment trusts, corporate and commercial real estate clients, and other private clients. It operates through 15 branches located primarily in the metropolitan areas of Atlanta, Georgia; and Chattanooga and Knoxville, Tennessee. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

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