Avidbank (OTCMKTS:AVBH) vs. BEO Bancorp (OTCMKTS:BEOB) Critical Comparison

Avidbank (OTCMKTS:AVBH) and BEO Bancorp (OTCMKTS:BEOB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, earnings, analyst recommendations, risk, valuation, dividends and institutional ownership.

Valuation & Earnings

This table compares Avidbank and BEO Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Avidbank	$47.45 million	5.89	$21.01 million	$3.07	8.32
BEO Bancorp	$57.76 million	2.22	$16.49 million	N/A	N/A

Avidbank has higher earnings, but lower revenue than BEO Bancorp.

Insider & Institutional Ownership

15.9% of Avidbank shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Avidbank has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500.

Profitability

This table compares Avidbank and BEO Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Avidbank	14.31%	N/A	N/A
BEO Bancorp	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent recommendations for Avidbank and BEO Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Avidbank	0	0	2	0	3.00
BEO Bancorp	0	0	0	0	0.00

Avidbank currently has a consensus target price of $25.50, indicating a potential downside of 0.20%. Given Avidbank’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Avidbank is more favorable than BEO Bancorp.

Summary

Avidbank beats BEO Bancorp on 8 of the 9 factors compared between the two stocks.

About Avidbank

Avidbank Holdings, Inc. operates as a bank holding company for Avidbank that provides financial products and services to businesses and individuals in the Santa Clara, San Mateo, and San Francisco counties. The company offers business and personal deposit products, such as checking, money market, and savings accounts; and certificates of deposit. It also provides personal lending products, including secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking comprising working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending, such as permanent loans and bridge financing products. In addition, the company offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC real estate secured loans. Further, it provides various financing solutions, such as fund finance, structured finance, venture lending, asset-based lending, and sponsor finance. Additionally, the company offers various services, such as automated clearing house payments and collections, bill pay, positive pay, wire transfer, lockbox, merchant, remote deposit capture, risk and fraud analytics services, ATM/debit cards, credit cards, business courier, cash management, and complimentary notary services. Furthermore, it offers online and mobile banking services. The company was founded in 2003 and is headquartered in San Jose, California.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.