Contrasting Bear State Financial (NASDAQ:BSF) & Old Line Bancshares, Inc. (MD) (OLBK)

Old Line Bancshares, Inc. (MD) (NASDAQ: OLBK) and Bear State Financial (NASDAQ:BSF) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, dividends, risk, profitability, earnings and institutional ownership.

Earnings & Valuation

This table compares Old Line Bancshares, Inc. (MD) and Bear State Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Old Line Bancshares, Inc. (MD) $68.72 million 5.60 $13.15 million $1.43 21.59
Bear State Financial $103.10 million 3.76 $17.45 million $0.55 18.69

Bear State Financial has higher revenue and earnings than Old Line Bancshares, Inc. (MD). Bear State Financial is trading at a lower price-to-earnings ratio than Old Line Bancshares, Inc. (MD), indicating that it is currently the more affordable of the two stocks.

Dividends

Old Line Bancshares, Inc. (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 1.0%. Bear State Financial pays an annual dividend of $0.09 per share and has a dividend yield of 0.9%. Old Line Bancshares, Inc. (MD) pays out 22.4% of its earnings in the form of a dividend. Bear State Financial pays out 16.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk and Volatility

Old Line Bancshares, Inc. (MD) has a beta of 0.27, indicating that its stock price is 73% less volatile than the S&P 500. Comparatively, Bear State Financial has a beta of 1.23, indicating that its stock price is 23% more volatile than the S&P 500.

Institutional and Insider Ownership

44.3% of Old Line Bancshares, Inc. (MD) shares are owned by institutional investors. Comparatively, 12.4% of Bear State Financial shares are owned by institutional investors. 25.1% of Old Line Bancshares, Inc. (MD) shares are owned by insiders. Comparatively, 53.0% of Bear State Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Old Line Bancshares, Inc. (MD) and Bear State Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Old Line Bancshares, Inc. (MD) 18.72% 8.61% 0.79%
Bear State Financial 19.79% 10.10% 1.11%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Old Line Bancshares, Inc. (MD) and Bear State Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Old Line Bancshares, Inc. (MD) 0 1 0 0 2.00
Bear State Financial 0 0 0 0 N/A

Old Line Bancshares, Inc. (MD) presently has a consensus target price of $31.00, suggesting a potential upside of 0.39%. Given Old Line Bancshares, Inc. (MD)’s higher probable upside, equities research analysts clearly believe Old Line Bancshares, Inc. (MD) is more favorable than Bear State Financial.

Summary

Bear State Financial beats Old Line Bancshares, Inc. (MD) on 8 of the 14 factors compared between the two stocks.

Old Line Bancshares, Inc. (MD) Company Profile

Old Line Bancshares, Inc. is the holding company of Old Line Bank (The Bank). The Bank is a chartered trust company engaged in commercial banking business, making various types of loans, investments and accepting deposits. The Bank markets its financial services to small to medium sized businesses, entrepreneurs, professionals, consumers and clients. The Bank, through its division Old Line Financial Services, provides retirement planning and products, as well as investment services, including investment management, estate and succession planning, and allows its customers to directly purchase individual stocks, bonds and mutual funds. The Bank offers its customers safe deposit boxes, wire transfer services, debit cards, prepaid cards, automated teller machines at all of its branch locations, investment services and credit cards through a third party processor.

Bear State Financial Company Profile

Bear State Financial, Inc. is a bank holding company. The Company’s subsidiary Bear State Bank, N.A. (the Bank) is a community-oriented financial institution, which offers a range of retail and business deposit accounts, including noninterest bearing and interest bearing checking accounts, savings and money market accounts, certificates of deposit and individual retirement accounts. The Loan products offered by the Bank include residential real estate loans, consumer loans, construction loans, lines of credit, commercial real estate loans, and commercial business loans. The Bank’s other financial services include automated teller machines; around the clock telephone banking; online banking, including account access, bill payment and e-statements; mobile banking, including remote deposit capture and funds transfer; Bounce Protection overdraft services; debit cards, and safe deposit boxes.

Receive News & Ratings for Old Line Bancshares Inc. (MD) Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Old Line Bancshares Inc. (MD) and related companies with MarketBeat.com's FREE daily email newsletter.

Leave a Reply