FVCBANKCORP Inc/SH (OTCMKTS:FVCB) and Southern National Banc. of Virginia (NASDAQ:SONA) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, risk, institutional ownership, profitability, valuation and earnings.
This is a breakdown of current recommendations and price targets for FVCBANKCORP Inc/SH and Southern National Banc. of Virginia, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Southern National Banc. of Virginia||0||1||0||0||2.00|
FVCBANKCORP Inc/SH currently has a consensus price target of $20.00, indicating a potential upside of 3.68%. Given FVCBANKCORP Inc/SH’s stronger consensus rating and higher possible upside, research analysts clearly believe FVCBANKCORP Inc/SH is more favorable than Southern National Banc. of Virginia.
Institutional and Insider Ownership
4.2% of FVCBANKCORP Inc/SH shares are owned by institutional investors. Comparatively, 71.5% of Southern National Banc. of Virginia shares are owned by institutional investors. 5.5% of Southern National Banc. of Virginia shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This table compares FVCBANKCORP Inc/SH and Southern National Banc. of Virginia’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Southern National Banc. of Virginia||24.04%||9.92%||1.29%|
Southern National Banc. of Virginia pays an annual dividend of $0.36 per share and has a dividend yield of 2.3%. FVCBANKCORP Inc/SH does not pay a dividend. Southern National Banc. of Virginia pays out 25.9% of its earnings in the form of a dividend.
Valuation & Earnings
This table compares FVCBANKCORP Inc/SH and Southern National Banc. of Virginia’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Southern National Banc. of Virginia||$129.11 million||2.89||$33.69 million||$1.39||11.12|
Southern National Banc. of Virginia has higher revenue and earnings than FVCBANKCORP Inc/SH.
Southern National Banc. of Virginia beats FVCBANKCORP Inc/SH on 7 of the 11 factors compared between the two stocks.
FVCBANKCORP Inc/SH Company Profile
FVCBankcorp, Inc. provides various banking products and services in Fairfax, Virginia. It offers various personal and business banking products and services, such as checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts. The company also provides business lines of credit, business automated overdraft lines of credit, business owner's guidance lines of credit, business loans, business construction loans, business loans for emerging residential builders, business mortgage loans, and business loans for professionals; commercial real estate lending, including office, retail, industrial, warehouse/flex space, non-profit, mini-storage facilities, multi-family, commercial construction, residential/multi-family construction, land acquisitions, and bridge loans; and automobile and personal loans, as well as overdraft lines of credit on various personal checking accounts. In addition, it offers credit cards and online banking services. Further, the company provides treasury management services comprising automated clearing house services, merchant services, zero balance and escrow accounts, and ACH positive authorization services; and government contractor banking services. Additionally, it offers life, disability, auto, homeowners coverage, building/property, business interruption, general liability, cybersecurity, employee health benefits, and contractor/builder bonds insurance products. FVCBankcorp, Inc. was founded in 2015 and is headquartered in Fairfax, Virginia.
Southern National Banc. of Virginia Company Profile
Southern National Bancorp of Virginia, Inc. operates as the bank holding company for Sonabank that provides commercial banking services to middle market corporate clients and retail clients in the United States. Its deposit products include noninterest-bearing and interest-bearing checking, commercial checking, money market, and savings accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial mortgage and non-mortgage loans, including commercial real estate loans, construction to permanent loans, development and builder loans, accounts receivable financing, lines of credit, equipment and vehicle loans, leasing, and commercial overdraft protection; construction loans for commercial, multifamily, and other non-residential properties; commercial business loans, such as lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans; residential mortgage lending; and secured and unsecured consumer loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, lockbox, depository transfer, merchant, ACH origination, check 21 processing, asset based lending, and mobile banking application services. In addition, the company provides other consumer/retail products and services that include debit and credit cards, ATM services, travelers' checks, notary services, and online banking services. As of December 31, 2018, it had 38 full-service retail branches in Virginia and 7 full-service retail branches in Maryland. The company was founded in 2004 and is headquartered in McLean, Virginia.