Financial Contrast: Wayne Savings Bancshares (OTCMKTS:WAYN) and First Guaranty Bancshares (NASDAQ:FGBI)

Dividends

First Guaranty Bancshares pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Wayne Savings Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.8%. First Guaranty Bancshares pays out 4.9% of its earnings in the form of a dividend. Wayne Savings Bancshares pays out 28.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Volatility and Risk

First Guaranty Bancshares has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500. Comparatively, Wayne Savings Bancshares has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500.

Profitability

This table compares First Guaranty Bancshares and Wayne Savings Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Guaranty Bancshares	5.04%	5.62%	0.34%
Wayne Savings Bancshares	17.74%	16.26%	1.03%

Institutional & Insider Ownership

39.5% of First Guaranty Bancshares shares are held by institutional investors. Comparatively, 12.1% of Wayne Savings Bancshares shares are held by institutional investors. 46.4% of First Guaranty Bancshares shares are held by insiders. Comparatively, 3.2% of Wayne Savings Bancshares shares are held by 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.

Valuation & Earnings

This table compares First Guaranty Bancshares and Wayne Savings Bancshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Guaranty Bancshares	$111.51 million	1.10	$12.45 million	$0.81	12.07
Wayne Savings Bancshares	$38.11 million	1.40	$7.83 million	$3.21	7.56

First Guaranty Bancshares has higher revenue and earnings than Wayne Savings Bancshares. Wayne Savings Bancshares is trading at a lower price-to-earnings ratio than First Guaranty Bancshares, indicating that it is currently the more affordable of the two stocks.

Summary

First Guaranty Bancshares beats Wayne Savings Bancshares on 7 of the 13 factors compared between the two stocks.

About First Guaranty Bancshares

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.

About Wayne Savings Bancshares

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.