Head to Head Survey: QNB (OTCMKTS:QNBC) vs. 1st Colonial Bancorp (OTCMKTS:FCOB)

Profitability

This table compares QNB and 1st Colonial Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
QNB	13.34%	11.95%	0.69%
1st Colonial Bancorp	17.58%	10.67%	0.99%

Volatility and Risk

QNB has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500. Comparatively, 1st Colonial Bancorp has a beta of 0.07, suggesting that its share price is 93% less volatile than the S&P 500.

Valuation and Earnings

This table compares QNB and 1st Colonial Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
QNB	$90.98 million	1.43	$11.45 million	$3.47	10.05
1st Colonial Bancorp	$46.18 million	1.90	$8.06 million	$1.72	10.63

QNB has higher revenue and earnings than 1st Colonial Bancorp. QNB is trading at a lower price-to-earnings ratio than 1st Colonial Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

0.7% of QNB shares are held by institutional investors. Comparatively, 13.4% of 1st Colonial Bancorp shares are held by institutional investors. 14.5% of QNB shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

QNB beats 1st Colonial Bancorp on 6 of the 11 factors compared between the two stocks.

About QNB

QNB Corp. operates as the bank holding company for QNB Bank that engages in the provision of commercial and retail banking products, and retail brokerage services. It offers various deposit products, which include demand and savings accounts, such as money market, interest-bearing demand, club, traditional statement savings, and online savings accounts; and time deposits comprising certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans, commercial and residential real estate loans, construction and land development loans, indirect lease financing, 1-4 family residential mortgage loans, home equity loans and lines of credit, and consumer loans. In addition, it offers retail brokerage and advisory services; credit cards and insurance products; merchant services; ATM and debit card services; and internet and mobile-banking, electronic bill pay, and remote deposit capture services. The company serves other community banks, thrift institutions, credit unions and other non-bank financial organizations, such as mutual fund companies, insurance companies, and brokerage companies. QNB Corp. was founded in 1877 and is based in Quakertown, Pennsylvania.

About 1st Colonial Bancorp

1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including savings accounts, money market accounts, certificates of deposit, club accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, personal and vehicle loans, residential and commercial mortgages, construction loans, business lines of credit, equipment and vehicle financing, real estate loans, working capital line of credit, and business acquisition loans, as well as small business administration loans. In addition, the company offers cash management services comprising remote deposit capture, ACH/wire transfer, night deposit drop, and merchant services; safe deposit boxes; and coin counting, online and mobile banking, debit card, and ATM services. The company was founded in 2000 and is headquartered in Mount Laurel, New Jersey.