Reviewing Southcrest Financial Group (SCSG) and Westamerica Bancorporation (WABC)

Southcrest Financial Group (OTCMKTS: SCSG) and Westamerica Bancorporation (NASDAQ:WABC) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, earnings, valuation and dividends.

Analyst Ratings

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This is a summary of recent ratings and recommmendations for Southcrest Financial Group and Westamerica Bancorporation, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southcrest Financial Group 0 0 0 0 N/A
Westamerica Bancorporation 2 2 0 0 1.50

Westamerica Bancorporation has a consensus price target of $54.67, indicating a potential downside of 4.30%. Given Westamerica Bancorporation’s higher possible upside, analysts plainly believe Westamerica Bancorporation is more favorable than Southcrest Financial Group.


Westamerica Bancorporation pays an annual dividend of $1.60 per share and has a dividend yield of 2.8%. Southcrest Financial Group does not pay a dividend. Westamerica Bancorporation has raised its dividend for 5 consecutive years.


This table compares Southcrest Financial Group and Westamerica Bancorporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Southcrest Financial Group 16.10% N/A N/A
Westamerica Bancorporation 26.26% 10.30% 1.13%

Volatility and Risk

Southcrest Financial Group has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500. Comparatively, Westamerica Bancorporation has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500.

Institutional and Insider Ownership

5.8% of Southcrest Financial Group shares are held by institutional investors. Comparatively, 85.6% of Westamerica Bancorporation shares are held by institutional investors. 4.5% of Westamerica Bancorporation shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Southcrest Financial Group and Westamerica Bancorporation’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southcrest Financial Group $24.75 million 2.52 $13.66 million $1.56 6.47
Westamerica Bancorporation $190.46 million 7.97 $50.02 million N/A N/A

Westamerica Bancorporation has higher revenue and earnings than Southcrest Financial Group.


Westamerica Bancorporation beats Southcrest Financial Group on 13 of the 13 factors compared between the two stocks.

About Southcrest Financial Group

SouthCrest Financial Group, Inc. is a bank holding company. The company operates a nine-branch network throughout Georgia through its subsidiary bank, SouthCrest Bank, N.A. The bank provides a full suite of retail, private, entrepreneurial and commercial banking services, and online banking services. The company was founded on August 15, 1996 and is headquartered in Atlanta, GA.

About Westamerica Bancorporation

Westamerica Bancorporation operates as a bank holding company for Westamerica Bank that provides various banking products and services to individual and commercial customers. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit to local businesses and professionals. Its loan portfolio includes commercial, commercial and residential real estate, real estate construction, and consumer installment loans, as well as other loans primarily consisting of indirect automobile loans. Westamerica Bancorporation operates through 82 branch offices in 21 counties in Northern and Central California. The company was formerly known as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorporation was founded in 1972 and is headquartered in San Rafael, California.

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