Head to Head Analysis: Peoples Financial (OTCMKTS:PFBX) versus FB Bancorp (NASDAQ:FBLA)

FB Bancorp (NASDAQ:FBLA) and Peoples Financial (OTCMKTS:PFBX) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, dividends, valuation, institutional ownership, profitability and analyst recommendations.

Profitability

This table compares FB Bancorp and Peoples Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FB Bancorp	-3.08%	-0.81%	-0.22%
Peoples Financial	12.85%	4.96%	0.59%

Volatility & Risk

FB Bancorp has a beta of 0.12, indicating that its share price is 88% less volatile than the S&P 500. Comparatively, Peoples Financial has a beta of 0.26, indicating that its share price is 74% less volatile than the S&P 500.

Valuation and Earnings

This table compares FB Bancorp and Peoples Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FB Bancorp	$69.57 million	3.77	-$6.21 million	$0.15	88.13
Peoples Financial	$40.11 million	2.34	$21.70 million	$1.02	19.90

Peoples Financial has lower revenue, but higher earnings than FB Bancorp. Peoples Financial is trading at a lower price-to-earnings ratio than FB Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

32.8% of Peoples Financial shares are held by institutional investors. 2.2% of FB Bancorp shares are held by insiders. Comparatively, 28.1% of Peoples Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and target prices for FB Bancorp and Peoples Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FB Bancorp	1	0	0	0	1.00
Peoples Financial	0	0	0	0	0.00

Summary

Peoples Financial beats FB Bancorp on 8 of the 12 factors compared between the two stocks.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.

About Peoples Financial

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. The company accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). It offers business, commercial, real estate, construction, personal, and installment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, the company provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, it offers other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and Internet banking services. the company provides services to customers of various industries, such as seafood, retail, hospitality, hotel/motel, gaming, and construction. Peoples Financial Corporation was founded in 1896 and is headquartered in Biloxi, Mississippi.