Head to Head Review: FNCB Bancorp (NASDAQ:FNCB) versus Pacific Valley Bancorp (OTCMKTS:PVBK)

FNCB Bancorp (NASDAQ:FNCBGet Rating) and Pacific Valley Bancorp (OTCMKTS:PVBKGet Rating) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, risk, dividends, institutional ownership and profitability.

Profitability

This table compares FNCB Bancorp and Pacific Valley Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FNCB Bancorp 30.41% 14.49% 1.16%
Pacific Valley Bancorp 22.08% N/A N/A

Risk & Volatility

FNCB Bancorp has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.42, suggesting that its share price is 58% less volatile than the S&P 500.

Valuation and Earnings

This table compares FNCB Bancorp and Pacific Valley Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FNCB Bancorp $59.97 million 2.67 $21.37 million $0.99 8.23
Pacific Valley Bancorp $17.67 million 2.70 $3.77 million $1.03 10.43

FNCB Bancorp has higher revenue and earnings than Pacific Valley Bancorp. FNCB Bancorp is trading at a lower price-to-earnings ratio than Pacific Valley Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of recent ratings for FNCB Bancorp and Pacific Valley Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FNCB Bancorp 0 0 0 0 N/A
Pacific Valley Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

14.4% of FNCB Bancorp shares are owned by institutional investors. Comparatively, 2.3% of Pacific Valley Bancorp shares are owned by institutional investors. 17.4% of FNCB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

FNCB Bancorp beats Pacific Valley Bancorp on 7 of the 11 factors compared between the two stocks.

About FNCB Bancorp

(Get Rating)

FNCB Bancorp, Inc. is a bank holding company, which engages in the provision of financial services. Its products and services include online, mobile and telephone banking, debit cards, check imaging and electronic statements, residential mortgage loans, construction, land acquisition and development loans, commercial real estate loans, commercial and industrial loans, consumer loans, state and political subdivision loans, wealth management, and deposit activities. The company was founded in 1997 and is headquartered in Dunmore, PA.

About Pacific Valley Bancorp

(Get Rating)

Pacific Valley Bancorp. operates as a bank holding company. The company was founded in 2021 and is headquartered in Salinas, CA.

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