FSB Bancorp (NASDAQ:FSBC) and BBX Capital (OTCMKTS:BBXTB) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, dividends, analyst recommendations, earnings, institutional ownership, risk and valuation.

Risk & Volatility

FSB Bancorp has a beta of 0.88, indicating that its stock price is 12% less volatile than the S&P 500. Comparatively, BBX Capital has a beta of 1.51, indicating that its stock price is 51% more volatile than the S&P 500.

Dividends

BBX Capital pays an annual dividend of $0.05 per share and has a dividend yield of 1.0%. FSB Bancorp does not pay a dividend.

Profitability

This table compares FSB Bancorp and BBX Capital’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FSB Bancorp -0.30% -0.15% -0.01%
BBX Capital 0.76% 1.83% 0.67%

Institutional & Insider Ownership

21.0% of FSB Bancorp shares are held by institutional investors. 9.2% of FSB Bancorp shares are held by company insiders. Comparatively, 88.2% of BBX Capital shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and price targets for FSB Bancorp and BBX Capital, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FSB Bancorp 0 0 0 0 N/A
BBX Capital 0 0 0 0 N/A

Valuation & Earnings

This table compares FSB Bancorp and BBX Capital’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FSB Bancorp $15.26 million 2.23 $140,000.00 N/A N/A
BBX Capital $961.79 million 0.49 $35.10 million N/A N/A

BBX Capital has higher revenue and earnings than FSB Bancorp.

Summary

BBX Capital beats FSB Bancorp on 8 of the 10 factors compared between the two stocks.

FSB Bancorp Company Profile

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

BBX Capital Company Profile

BBX Capital Corporation, formerly known as BFC Financial Corporation, is a private equity and venture capital firm specializing in investments and acquisitions of middle market companies. The firm also invests in mergers and acquisition, add-on acquisitions, divestiture, taking public companies private and private companies public, leveraged buyout, partnership, recapitalization, and restructuring. It typically does not invest in industries or companies whose ultimate returns are event driven. The firm seeks to invest across a broad range of industries ranging from service to manufacturing businesses. The firm prefers to acquire controlling interests in its portfolio companies and can also consider minority investments. BFC Financial Corporation was founded in 1980 and is based in Fort Lauderdale, Florida.

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