Mid-Southern Bancorp (NASDAQ:MSVB) and Frederick County Bancorp (MD) (OTCMKTS:FCBI) Head to Head Survey

Valuation and Earnings

This table compares Mid-Southern Bancorp and Frederick County Bancorp (MD)”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mid-Southern Bancorp	$8.88 million	5.15	$1.46 million	($2.34)	-6.97
Frederick County Bancorp (MD)	$18.62 million	3.11	$2.96 million	N/A	N/A

Frederick County Bancorp (MD) has higher revenue and earnings than Mid-Southern Bancorp.

Risk and Volatility

Mid-Southern Bancorp has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500. Comparatively, Frederick County Bancorp (MD) has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500.

Dividends

Mid-Southern Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Mid-Southern Bancorp pays out -10.3% of its earnings in the form of a dividend.

Profitability

This table compares Mid-Southern Bancorp and Frederick County Bancorp (MD)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mid-Southern Bancorp	9.43%	3.08%	0.45%
Frederick County Bancorp (MD)	11.41%	N/A	N/A

Insider and Institutional Ownership

10.1% of Mid-Southern Bancorp shares are held by institutional investors. 10.2% of Mid-Southern Bancorp shares are held by company insiders. Comparatively, 32.2% of Frederick County Bancorp (MD) shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Mid-Southern Bancorp beats Frederick County Bancorp (MD) on 7 of the 12 factors compared between the two stocks.

About Mid-Southern Bancorp

Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services to individuals and business customers. It accepts various deposit products, including checking, savings, money market, and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by first mortgages on one- to four-family residences, including home equity loans and lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences; commercial and multifamily real estate loans; land and lot loans; commercial business loans; consumer loans, including new and used manufactured homes, automobiles and truck, boats, and motorcycles and recreational vehicle loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The company provides its products and services through its main office in Salem; and through its branch offices located in Mitchell and Orleans, Indiana, as well as through loan production offices located in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company was founded in 2001 and is headquartered in Frederick, Maryland.