Head-To-Head Comparison: Jeffersonville Bancorp (OTCMKTS:JFBC) and Carter Bankshares (NASDAQ:CARE)

Jeffersonville Bancorp (OTCMKTS:JFBC) and Carter Bankshares (NASDAQ:CARE) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, risk, profitability, analyst recommendations, valuation, earnings and dividends.

Valuation and Earnings

This table compares Jeffersonville Bancorp and Carter Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jeffersonville Bancorp	$34.26 million	3.27	$12.55 million	$2.97	8.92
Carter Bankshares	$149.03 million	2.97	$31.00 million	$1.38	14.46

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

Analyst Recommendations

This is a summary of current ratings and target prices for Jeffersonville Bancorp and Carter Bankshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jeffersonville Bancorp	0	0	0	0	0.00
Carter Bankshares	0	1	2	1	3.00

Carter Bankshares has a consensus target price of $22.00, suggesting a potential upside of 10.28%. Given Carter Bankshares’ stronger consensus rating and higher possible upside, analysts plainly believe Carter Bankshares is more favorable than Jeffersonville Bancorp.

Risk and Volatility

Jeffersonville Bancorp has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500. Comparatively, Carter Bankshares has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Insider & Institutional Ownership

41.5% of Carter Bankshares shares are held by institutional investors. 8.4% of Jeffersonville Bancorp shares are held by insiders. Comparatively, 2.2% of Carter Bankshares shares are held 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.

Profitability

This table compares Jeffersonville Bancorp and Carter Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jeffersonville Bancorp	35.75%	12.97%	1.88%
Carter Bankshares	12.32%	7.64%	0.65%

Summary

Carter Bankshares beats Jeffersonville Bancorp on 9 of the 15 factors compared between the two stocks.

About Jeffersonville Bancorp

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, and NOW, as well as demand and time deposits. It also offers commercial mortgage, farmland, construction, real estate, agricultural, residential mortgage, home equity, consumer, installment, and other consumer loans. The company was founded in 1913 and is based in Jeffersonville, New York.

About Carter Bankshares

Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various banking products and services in the United States. It accepts various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposits. The company also offers commercial loans comprising secured and unsecured loans; consumer loans, such as secured and unsecured loans for financing automobiles, home improvements, education, overdraft protection, and personal investments, as well as residential mortgages; real estate construction, acquisition, commercial, and industrial loans; home equity lines of credit; and credit cards, as well as originates and holds fixed and variable rate mortgage loans. In addition, it provides other banking services that include safe deposit boxes, direct deposit of payroll, and social security checks; online banking products, including online and mobile banking, online account opening, bill pay, e-statement, mobile deposit, digital wallet, and ATM services; title insurance and other financial institution-related products and services; and treasury and corporate cash management services. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.