Comparing GrandSouth Bancorporation (OTCMKTS:GRRB) & Peoples Bancorp of North Carolina (NASDAQ:PEBK)

GrandSouth Bancorporation (OTCMKTS:GRRB) and Peoples Bancorp of North Carolina (NASDAQ:PEBK) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, earnings, analyst recommendations, dividends, risk, institutional ownership and valuation.

Profitability

This table compares GrandSouth Bancorporation and Peoples Bancorp of North Carolina’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
GrandSouth Bancorporation	N/A	N/A	N/A
Peoples Bancorp of North Carolina	17.30%	13.47%	1.16%

Institutional & Insider Ownership

43.8% of Peoples Bancorp of North Carolina shares are held by institutional investors. 33.3% of GrandSouth Bancorporation shares are held by insiders. Comparatively, 16.9% of Peoples Bancorp of North Carolina shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for GrandSouth Bancorporation and Peoples Bancorp of North Carolina, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
GrandSouth Bancorporation	0	0	0	0	0.00
Peoples Bancorp of North Carolina	0	0	1	0	3.00

Earnings and Valuation

This table compares GrandSouth Bancorporation and Peoples Bancorp of North Carolina”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
GrandSouth Bancorporation	N/A	N/A	N/A	N/A	N/A
Peoples Bancorp of North Carolina	$114.60 million	1.92	$19.83 million	$3.62	11.13

Peoples Bancorp of North Carolina has higher revenue and earnings than GrandSouth Bancorporation.

Summary

Peoples Bancorp of North Carolina beats GrandSouth Bancorporation on 7 of the 8 factors compared between the two stocks.

About GrandSouth Bancorporation

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.

About Peoples Bancorp of North Carolina

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.