1st Century Bancshares (FCTY) and Merchants Bancshares,Inc. (NASDAQ:MBVT) Financial Analysis

Merchants Bancshares,Inc. (NASDAQ: MBVT) and 1st Century Bancshares (NASDAQ:FCTY) are both companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, earnings, analyst recommendations, dividends, institutional ownership, valuation and risk.

Institutional and Insider Ownership

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38.6% of Merchants Bancshares,Inc. shares are owned by institutional investors. 8.8% of Merchants Bancshares,Inc. shares are owned by company 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.

Analyst Recommendations

This is a breakdown of current ratings for Merchants Bancshares,Inc. and 1st Century Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Merchants Bancshares,Inc. 0 0 0 0 N/A
1st Century Bancshares 0 0 0 0 N/A

Earnings and Valuation

This table compares Merchants Bancshares,Inc. and 1st Century Bancshares’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Merchants Bancshares,Inc. N/A N/A N/A N/A N/A
1st Century Bancshares N/A N/A N/A N/A N/A

Profitability

This table compares Merchants Bancshares,Inc. and 1st Century Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Merchants Bancshares,Inc. 20.64% 9.19% 0.71%
1st Century Bancshares 3.91% 1.67% 0.15%

Dividends

Merchants Bancshares,Inc. pays an annual dividend of $1.12 per share and has a dividend yield of 2.2%. 1st Century Bancshares does not pay a dividend.

Summary

Merchants Bancshares,Inc. beats 1st Century Bancshares on 6 of the 6 factors compared between the two stocks.

About Merchants Bancshares,Inc.

Merchants Bancshares, Inc. is a bank holding company. The Company’s subsidiary, Merchants Bank (the Bank), is a commercial bank. The Bank offers a range of deposit, loan, cash management and trust services to meet the financial needs of individual consumers, businesses and municipalities. Merchants Bank’s trust division offers investment management, financial planning and trustee services. The Bank offers commercial, financial and agricultural loans, municipal loans, residential real estate loans, commercial real estate loans, construction real estate loans and consumer installment loans for various personal needs, including vehicle and boat financing. The Bank’s deposits include demand; savings and interest bearing checking and money market accounts, and time deposits.

About 1st Century Bancshares

1st Century Bancshares, Inc. is the bank holding company for 1st Century Bank, National Association (the Bank). The Bank is a full service commercial bank. The Bank’s primary focus is relationship banking to family and middle market businesses, professional service firms, and high net worth individuals, real estate investors and entrepreneurs. It offers various loan products, including business and personal lines of credit and term loans; tenant improvement and equipment financing; bridge and specific purpose loans; commercial, industrial, multi-family residential real estate lending; personal home equity loans and lines of credit, and credit cards for business and personal use. Its deposit products include business checking, money market and certificates of deposit; personal checking, money market and certificates of deposits; attorney-client trust accounts, trust accounts, and cash management. Its loan and deposit activities are based in the Los Angeles metropolitan area.

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