Suncrest Bank (OTCMKTS:SBKK) versus QCR (NASDAQ:QCRH) Head-To-Head Comparison

Suncrest Bank (OTCMKTS:SBKK) and QCR (NASDAQ:QCRH) 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, dividends, valuation, analyst recommendations, institutional ownership, profitability and earnings.

Earnings & Valuation

This table compares Suncrest Bank and QCR”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Suncrest Bank	$46.73 million	4.92	$16.96 million	$1.37	13.56
QCR	$337.71 million	3.63	$113.85 million	$6.71	10.80

QCR has higher revenue and earnings than Suncrest Bank. QCR is trading at a lower price-to-earnings ratio than Suncrest Bank, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Suncrest Bank and QCR’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Suncrest Bank	N/A	N/A	N/A
QCR	19.06%	12.68%	1.35%

Risk & Volatility

Suncrest Bank has a beta of 0.88, meaning that its share price is 12% less volatile than the S&P 500. Comparatively, QCR has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Suncrest Bank and QCR, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Suncrest Bank	0	0	0	0	0.00
QCR	0	0	1	0	3.00

QCR has a consensus target price of $82.00, indicating a potential upside of 13.12%. Given QCR’s stronger consensus rating and higher probable upside, analysts plainly believe QCR is more favorable than Suncrest Bank.

Institutional and Insider Ownership

5.9% of Suncrest Bank shares are held by institutional investors. Comparatively, 70.0% of QCR shares are held by institutional investors. 3.7% of QCR shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

QCR beats Suncrest Bank on 12 of the 14 factors compared between the two stocks.

About Suncrest Bank

Suncrest Bank engages in the provision of personal and commercial banking services. It provides checking, savings and certificates of deposits, lending, cash management, online and mobile banking, e-statements, remote deposit capture, financial calculators, and customer service center. It also offers agricultural real estate loans, production finance, equipment financing and leasing, development loans, long-term fixed rate, SBA and USDA loans, valley small business guaranteed loans, USDA B&I loans, farmer mac loans, and cal-cap loans. The company was founded on May 19, 2008 and is headquartered in Visalia, CA.

About QCR

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company’s deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company’s loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, it engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.