GrandSouth Bancorporation (OTCMKTS:GRRB) vs. Republic Bancorp (NASDAQ:RBCAA) Financial Contrast

Republic Bancorp (NASDAQ:RBCAA) and GrandSouth Bancorporation (OTCMKTS:GRRB) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, valuation, profitability and analyst recommendations.

Analyst Recommendations

This is a summary of current ratings for Republic Bancorp and GrandSouth Bancorporation, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Republic Bancorp	0	2	1	0	2.33
GrandSouth Bancorporation	0	0	0	0	0.00

Republic Bancorp presently has a consensus target price of $69.00, suggesting a potential downside of 4.80%. Given Republic Bancorp’s stronger consensus rating and higher probable upside, research analysts plainly believe Republic Bancorp is more favorable than GrandSouth Bancorporation.

Valuation and Earnings

This table compares Republic Bancorp and GrandSouth Bancorporation”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Republic Bancorp	$521.34 million	2.72	$131.32 million	$6.72	10.79
GrandSouth Bancorporation	N/A	N/A	N/A	N/A	N/A

Republic Bancorp has higher revenue and earnings than GrandSouth Bancorporation.

Profitability

This table compares Republic Bancorp and GrandSouth Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Republic Bancorp	25.19%	12.39%	1.87%
GrandSouth Bancorporation	N/A	N/A	N/A

Insider and Institutional Ownership

24.4% of Republic Bancorp shares are held by institutional investors. 56.4% of Republic Bancorp shares are held by company insiders. Comparatively, 33.3% of GrandSouth Bancorporation shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

Republic Bancorp beats GrandSouth Bancorporation on 9 of the 9 factors compared between the two stocks.

About Republic Bancorp

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in six segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit; and retail and commercial mortgage, construction and land development, consumer, aircraft, and marine loans. It also provides credit cards; title insurance and other financial products and services; and private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it offers short-term and revolving credit facilities to mortgage bankers through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; payments-related products and services to consumers through third party service providers; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

About GrandSouth Bancorporation

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.