Head to Head Contrast: BV Financial (NASDAQ:BVFL) vs. Metropolitan Bank (NYSE:MCB)

Metropolitan Bank (NYSE:MCB) and BV Financial (NASDAQ:BVFL) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation and dividends.

Risk & Volatility

Metropolitan Bank has a beta of 1.13, indicating that its share price is 13% more volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500.

Earnings and Valuation

This table compares Metropolitan Bank and BV Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Metropolitan Bank	$492.21 million	1.67	$66.69 million	$5.76	13.85
BV Financial	$38.74 million	4.22	$11.72 million	$1.09	16.84

Metropolitan Bank has higher revenue and earnings than BV Financial. Metropolitan Bank is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

79.8% of Metropolitan Bank shares are held by institutional investors. Comparatively, 42.7% of BV Financial shares are held by institutional investors. 6.1% of Metropolitan Bank shares are held by company insiders. Comparatively, 11.8% of BV Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Metropolitan Bank and BV Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Metropolitan Bank	12.46%	8.71%	0.82%
BV Financial	20.80%	7.08%	1.51%

Analyst Ratings

This is a breakdown of recent ratings and target prices for Metropolitan Bank and BV Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Metropolitan Bank	0	2	2	0	2.50
BV Financial	0	1	0	0	2.00

Metropolitan Bank currently has a consensus target price of $84.50, indicating a potential upside of 5.93%. Given Metropolitan Bank’s stronger consensus rating and higher possible upside, analysts plainly believe Metropolitan Bank is more favorable than BV Financial.

Summary

Metropolitan Bank beats BV Financial on 9 of the 14 factors compared between the two stocks.

About Metropolitan Bank

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, money market, demand deposit, and other interest-bearing transaction accounts. It also provides lending products, including commercial real estate, multi-family, construction, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit cards. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.