Southside Bancshares (NASDAQ:SBSI) vs. Albina Community Bancorp (OTCMKTS:ACBCQ) Head-To-Head Analysis

Albina Community Bancorp (OTCMKTS:ACBCQ) and Southside Bancshares (NASDAQ:SBSI) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, profitability, valuation, earnings, risk and institutional ownership.

Insider and Institutional Ownership

55.7% of Southside Bancshares shares are owned by institutional investors. 6.0% of Southside Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations and price targets for Albina Community Bancorp and Southside Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Albina Community Bancorp	0	0	0	0	0.00
Southside Bancshares	0	3	0	0	2.00

Southside Bancshares has a consensus target price of $33.50, suggesting a potential upside of 18.65%. Given Southside Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Southside Bancshares is more favorable than Albina Community Bancorp.

Profitability

This table compares Albina Community Bancorp and Southside Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Albina Community Bancorp	N/A	N/A	N/A
Southside Bancshares	19.40%	11.10%	1.06%

Valuation & Earnings

This table compares Albina Community Bancorp and Southside Bancshares”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A
Southside Bancshares	$240.20 million	3.53	$88.49 million	$2.30	12.28

Southside Bancshares has higher revenue and earnings than Albina Community Bancorp.

Summary

Southside Bancshares beats Albina Community Bancorp on 8 of the 8 factors compared between the two stocks.

About Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.

About Southside Bancshares

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposits. The company’s loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also offers wealth management and trust services consisting of investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. In addition, the company provides retirement and employee benefit accounts, including plans and profit sharing plans; and telephone, internet, and mobile banking services. The company offers various banking services through branches, drive-thru facilities, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.