FirstSun Capital Bancorp (NASDAQ:FSUN – Get Free Report) and Ames National (NASDAQ:ATLO – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, risk, earnings, profitability, institutional ownership, valuation and dividends.
Profitability
This table compares FirstSun Capital Bancorp and Ames National’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FirstSun Capital Bancorp | 17.19% | 9.12% | 1.19% |
| Ames National | 19.36% | 9.90% | 0.89% |
Earnings & Valuation
This table compares FirstSun Capital Bancorp and Ames National”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FirstSun Capital Bancorp | $569.65 million | 1.82 | $97.94 million | $3.46 | 10.74 |
| Ames National | $66.83 million | 3.66 | $19.03 million | $2.14 | 12.86 |
FirstSun Capital Bancorp has higher revenue and earnings than Ames National. FirstSun Capital Bancorp is trading at a lower price-to-earnings ratio than Ames National, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
26.5% of Ames National shares are held by institutional investors. 12.5% of FirstSun Capital Bancorp shares are held by company insiders. Comparatively, 2.1% of Ames National shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Risk and Volatility
FirstSun Capital Bancorp has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500. Comparatively, Ames National has a beta of 0.39, meaning that its stock price is 61% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings for FirstSun Capital Bancorp and Ames National, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FirstSun Capital Bancorp | 0 | 1 | 3 | 1 | 3.00 |
| Ames National | 0 | 0 | 1 | 0 | 3.00 |
FirstSun Capital Bancorp presently has a consensus price target of $43.33, suggesting a potential upside of 16.64%. Given FirstSun Capital Bancorp’s higher possible upside, research analysts clearly believe FirstSun Capital Bancorp is more favorable than Ames National.
Summary
FirstSun Capital Bancorp beats Ames National on 9 of the 14 factors compared between the two stocks.
About FirstSun Capital Bancorp
FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.
About Ames National
Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north central, and south-central Iowa. The company accepts various deposit products, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; consumer loans to finance consumer purchases, such as automobiles, trucks, recreational vehicles, household furnishings, boats, personal loans, and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was incorporated in 1903 and is headquartered in Ames, Iowa.
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