Madison County Financial (OTCMKTS:MCBK) & Bluegreen Vacations (OTCMKTS:BVHBB) Head-To-Head Contrast

Madison County Financial (OTCMKTS:MCBK) and Bluegreen Vacations (OTCMKTS:BVHBB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, analyst recommendations, dividends, earnings and profitability.

Insider & Institutional Ownership

20.7% of Bluegreen Vacations shares are held by institutional investors. 16.9% of Madison County Financial shares are held by insiders. Comparatively, 88.2% of Bluegreen Vacations shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Dividends

Madison County Financial pays an annual dividend of $0.30 per share and has a dividend yield of 1.2%. Bluegreen Vacations pays an annual dividend of $0.40 per share and has a dividend yield of 0.6%. Bluegreen Vacations pays out 10.8% of its earnings in the form of a dividend.

Volatility & Risk

Madison County Financial has a beta of 0.17, meaning that its share price is 83% less volatile than the S&P 500. Comparatively, Bluegreen Vacations has a beta of 1.58, meaning that its share price is 58% more volatile than the S&P 500.

Valuation and Earnings

This table compares Madison County Financial and Bluegreen Vacations’ top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Madison County Financial	$28.02 million	2.38	$3.23 million	N/A	N/A
Bluegreen Vacations	$919.43 million	1.33	$64.39 million	$3.71	19.41

Bluegreen Vacations has higher revenue and earnings than Madison County Financial.

Profitability

This table compares Madison County Financial and Bluegreen Vacations’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Madison County Financial	N/A	N/A	N/A
Bluegreen Vacations	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of recent ratings for Madison County Financial and Bluegreen Vacations, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Madison County Financial	0	0	0	0	N/A
Bluegreen Vacations	0	0	0	0	N/A

Summary

Bluegreen Vacations beats Madison County Financial on 5 of the 8 factors compared between the two stocks.

About Madison County Financial

Madison County Financial, Inc. operates as the holding company for Madison County Bank that provides banking and financial services to individual and corporate customers in Nebraska, the United States. It offers checking, money market savings, savings, and individual retirement accounts; certificates of deposit; credit and debit cards; home loans; and consumer loans, including home equity lines of credit, second mortgage, home improvement, recreational vehicle, personal, and overdraft protection loans, as well as loans for automobiles, trucks, and vans. The company also provides agricultural real estate, machinery and equipment, livestock and crop, and operating loans; and commercial real estate, construction, investment property, and working capital loans, as well as equipment financing services. In addition, it offers online and mobile banking, and merchant services. The company was formerly known as Madison County Holding Company and changed its name to Madison County Financial, Inc. in October 2012. Madison County Financial, Inc. was founded in 1888 and is headquartered in Madison, Nebraska.

About Bluegreen Vacations

Bluegreen Vacations Holding Corporation operates as a vacation ownership company. The company markets and sells vacation ownership interests (VOI); and manages resorts in leisure and urban destinations, including Orlando, Las Vegas, Myrtle Beach, Charleston and New Orleans, and others. It also provides resort management, mortgage, title, reservation, and construction design and development services; and financing to qualified VOI purchasers, as well as management services to the vacation club and homeowners' associations. The company was founded in 1966 and is headquartered in Boca Raton, Florida.