Financial Comparison: Fifth District Bancorp (NASDAQ:FDSB) & South Atlantic Bancshares (OTCMKTS:SABK)

South Atlantic Bancshares (OTCMKTS:SABK) and Fifth District Bancorp (NASDAQ:FDSB) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, dividends, valuation, risk, institutional ownership, analyst recommendations and earnings.

Valuation and Earnings

This table compares South Atlantic Bancshares and Fifth District Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
South Atlantic Bancshares	$93.28 million	1.39	$12.45 million	$1.66	10.40
Fifth District Bancorp	$19.29 million	4.02	-$1.08 million	$0.51	27.33

South Atlantic Bancshares has higher revenue and earnings than Fifth District Bancorp. South Atlantic Bancshares is trading at a lower price-to-earnings ratio than Fifth District Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of current ratings and price targets for South Atlantic Bancshares and Fifth District Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
South Atlantic Bancshares	0	0	1	0	3.00
Fifth District Bancorp	0	0	0	0	0.00

South Atlantic Bancshares presently has a consensus price target of $19.00, suggesting a potential upside of 10.02%. Given South Atlantic Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe South Atlantic Bancshares is more favorable than Fifth District Bancorp.

Institutional and Insider Ownership

13.3% of South Atlantic Bancshares shares are held by institutional investors. 4.5% of Fifth District Bancorp shares are held 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.

Profitability

This table compares South Atlantic Bancshares and Fifth District Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
South Atlantic Bancshares	N/A	N/A	N/A
Fifth District Bancorp	10.10%	2.01%	0.49%

Summary

South Atlantic Bancshares beats Fifth District Bancorp on 7 of the 13 factors compared between the two stocks.

About South Atlantic Bancshares

South Atlantic Bancshares, Inc. operates as the bank holding company for South Atlantic Bank that provides consumer and commercial banking products and services to individuals, small businesses, and corporations in South Carolina. The company offers checking, money market, and saving accounts, as well as certificate of deposit, individual retirement, and health saving accounts; personal, auto, and recreation loans, as well as home equity and ready reserve overdraft line of credits, and commercial lending products; and credit cards. It also provides cash management and merchant card services; remote deposit capture and automated clearing house services; online, mobile, and telephone banking services; personal and business checks; mortgage products and services; and wealth management services. The company operates offices in Myrtle Beach, Carolina Forest, North Myrtle Beach, Murrells Inlet, Pawleys Island, Georgetown, Mount Pleasant, Charleston, Bluffton, Hilton Head Island, and Beaufort, South Carolina. South Atlantic Bancshares, Inc. was founded in 2007 and is headquartered in Myrtle Beach, South Carolina.

About Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.