S&T Bancorp (NASDAQ:STBA – Get Free Report) and Republic First Bancorp (NASDAQ:FRBK – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, profitability, earnings, institutional ownership, valuation and dividends.
Volatility & Risk
S&T Bancorp has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500. Comparatively, Republic First Bancorp has a beta of -0.22, meaning that its stock price is 122% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and target prices for S&T Bancorp and Republic First Bancorp, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
S&T Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Republic First Bancorp | 0 | 0 | 0 | 0 | N/A |
Insider and Institutional Ownership
65.2% of S&T Bancorp shares are held by institutional investors. Comparatively, 8.9% of Republic First Bancorp shares are held by institutional investors. 1.4% of S&T Bancorp shares are held by company insiders. Comparatively, 14.4% of Republic First Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares S&T Bancorp and Republic First Bancorp’s top-line revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
S&T Bancorp | $535.52 million | 2.53 | $144.78 million | $3.53 | 10.04 |
Republic First Bancorp | $180.55 million | 0.00 | $25.18 million | N/A | N/A |
S&T Bancorp has higher revenue and earnings than Republic First Bancorp.
Profitability
This table compares S&T Bancorp and Republic First Bancorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
S&T Bancorp | 24.68% | 10.86% | 1.44% |
Republic First Bancorp | N/A | N/A | N/A |
Summary
S&T Bancorp beats Republic First Bancorp on 9 of the 10 factors compared between the two stocks.
About S&T Bancorp
S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that engages in the provision of retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
About Republic First Bancorp
Republic First Bancorp, Inc. operates as the holding company for Republic First Bank that provides a range of credit and depository banking products and services to individuals and businesses. It accepts consumer and commercial deposit, checking, interest-bearing demand, money market, savings, sweep, and individual retirement accounts, as well as certificates of deposit. The company also offers secured and unsecured commercial, real estate, construction and land development, automobile, and home improvement loans; mortgages, home equity and overdraft lines of credit, and other products; and lockbox services. Republic First Bancorp, Inc. was founded in 1987 and is based in Philadelphia, Pennsylvania.
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