Bancorp 34 (NASDAQ:BCTF) and SEC BANCORP INC/SH SH (OTCMKTS:SCYT) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Dividends

Bancorp 34 pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%. SEC BANCORP INC/SH SH pays an annual dividend of $1.00 per share and has a dividend yield of 1.8%.

Profitability

This table compares Bancorp 34 and SEC BANCORP INC/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bancorp 34 2.26% 1.60% 0.20%
SEC BANCORP INC/SH SH N/A N/A N/A

Analyst Ratings

This is a breakdown of current ratings for Bancorp 34 and SEC BANCORP INC/SH SH, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 34 0 0 0 0 N/A
SEC BANCORP INC/SH SH 0 0 0 0 N/A

Insider & Institutional Ownership

14.8% of Bancorp 34 shares are owned by institutional investors. Comparatively, 4.2% of SEC BANCORP INC/SH SH shares are owned by institutional investors. 6.4% of Bancorp 34 shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Bancorp 34 and SEC BANCORP INC/SH SH’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp 34 $32.81 million 1.58 $1.07 million N/A N/A
SEC BANCORP INC/SH SH N/A N/A N/A N/A N/A

Bancorp 34 has higher revenue and earnings than SEC BANCORP INC/SH SH.

Volatility and Risk

Bancorp 34 has a beta of 0.78, meaning that its stock price is 22% less volatile than the S&P 500. Comparatively, SEC BANCORP INC/SH SH has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500.

Summary

Bancorp 34 beats SEC BANCORP INC/SH SH on 7 of the 8 factors compared between the two stocks.

About Bancorp 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and certificates of deposit, as well as commercial checking accounts and related services, including online cash management. The company also originates commercial real estate loans, multi-family real estate loans, commercial and industrial loans, construction and land development loans, one- to four-family residential real estate loans, and consumer and other loans. It operates 4 full-service banking centers, including 1 each in Otero and Dona Ana Counties, New Mexico; and 2 in Maricopa County, Arizona, as well as 10 residential mortgage and commercial loan production offices in Texas, Arizona, New Mexico, Oregon, and Washington. Bancorp 34, Inc. was founded in 1934 and is headquartered in Alamogordo, New Mexico.

About SEC BANCORP INC/SH SH

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking, financial, and mortgage services to individual and corporate customers primarily in Warren County, Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; and commercial loans, including installment loans and lines of credit, as well as provides trust services. In addition, the company provides wealth and financial management services that include mutual funds, stocks, and bonds; rollovers; personal and small business retirement plans; fixed, variable, and indexed annuities; life insurance; trust and estate services; and other plans, as well as online, mobile, and telephone banking services. It operates through three full-service bank locations and five ATM locations in Warren County. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.

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