Prime Meridian (OTCMKTS:PMHG) versus First NBC Bank (OTCMKTS:FNBCQ) Critical Survey

Prime Meridian (OTCMKTS:PMHG) and First NBC Bank (OTCMKTS:FNBCQ) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, earnings, dividends and risk.

Volatility & Risk

Prime Meridian has a beta of 0.74, indicating that its stock price is 26% less volatile than the S&P 500. Comparatively, First NBC Bank has a beta of 1.12, indicating that its stock price is 12% more volatile than the S&P 500.

Earnings & Valuation

This table compares Prime Meridian and First NBC Bank’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Prime Meridian $17.54 million 3.59 $4.04 million N/A N/A
First NBC Bank N/A N/A N/A N/A N/A

Prime Meridian has higher revenue and earnings than First NBC Bank.

Profitability

This table compares Prime Meridian and First NBC Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Prime Meridian 22.51% 8.34% 1.03%
First NBC Bank N/A N/A N/A

Institutional and Insider Ownership

8.2% of Prime Meridian shares are owned by institutional investors. 8.4% of First NBC Bank shares are owned 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.

Dividends

Prime Meridian pays an annual dividend of $0.12 per share and has a dividend yield of 0.6%. First NBC Bank pays an annual dividend of $0.12 per share and has a dividend yield of 292.7%.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Prime Meridian and First NBC Bank, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Prime Meridian 0 0 0 0 N/A
First NBC Bank 0 0 0 0 N/A

Summary

Prime Meridian beats First NBC Bank on 5 of the 8 factors compared between the two stocks.

About Prime Meridian

Prime Meridian Holding Company operates as the bank holding company for Prime Meridian Bank that provides consumer and commercial banking products and services to individuals and businesses in the United States. The company offers various deposit products, including checking, money-market, savings, term certificate of deposit, demand interest-bearing and non-interest-bearing, NOW, and escrow accounts, as well as retirement savings plans and time deposits. It also provides a range of loan products comprising commercial real estate, residential real estate and home equity, construction, and commercial loans; and consumer loans, such as automobiles, boats, and recreational vehicles, as well as standby letters of credit. In addition, the company offers electronic banking services, such as mobile banking, remote deposit, mobile deposit, Apple Pay, bank-to-bank transfer, and online banking services; and safe deposit, wire transfer, foreign exchange, notary, night depository, investment, and automated teller services, as well as debit cards, direct deposits, official checks, domestic collections, bank drafts, drive-in tellers, banking by mail, and credit and merchant cards. As of December 31, 2018, Prime Meridian Holding Company had three banking offices in Tallahassee and Crawfordville, Florida. The company was founded in 2008 and is headquartered in Tallahassee, Florida.

About First NBC Bank

First NBC Bank Holding Co. engages in the provision of financial services through its subsidiary, First NBC Bank. Its products and services include mortgage loans, commercial banking, and personal banking services. The company was founded in 2007 and is headquartered in New Orleans, LA.

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