FB Bancorp (NASDAQ:FBLA – Get Free Report) and BayFirst Financial (NASDAQ:BAFN – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, profitability, valuation and risk.
Risk and Volatility
FB Bancorp has a beta of -0.08, meaning that its share price is 108% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.57, meaning that its share price is 43% less volatile than the S&P 500.
Valuation and Earnings
This table compares FB Bancorp and BayFirst Financial”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FB Bancorp | $69.94 million | 3.45 | $1.25 million | $0.04 | 372.75 |
| BayFirst Financial | $104.19 million | 0.22 | -$22.94 million | ($7.22) | -0.76 |
FB Bancorp has higher earnings, but lower revenue than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than FB Bancorp, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
16.9% of BayFirst Financial shares are owned by institutional investors. 3.8% of FB Bancorp shares are owned by insiders. Comparatively, 14.3% of BayFirst Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current ratings and target prices for FB Bancorp and BayFirst Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| BayFirst Financial | 1 | 0 | 0 | 0 | 1.00 |
Profitability
This table compares FB Bancorp and BayFirst Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FB Bancorp | 0.83% | 0.93% | 0.24% |
| BayFirst Financial | -29.20% | -37.66% | -2.21% |
Summary
FB Bancorp beats BayFirst Financial on 7 of the 11 factors compared between the two stocks.
About FB Bancorp
FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.
About BayFirst Financial
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.
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