DSA FINL CORP/SH (OTCMKTS:DSFN) and Premier Financial Bancorp (NASDAQ:PFBI) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability.
Earnings and Valuation
This table compares DSA FINL CORP/SH and Premier Financial Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|DSA FINL CORP/SH||$5.00 million||2.98||$830,000.00||N/A||N/A|
|Premier Financial Bancorp||$74.92 million||3.10||$20.17 million||N/A||N/A|
Premier Financial Bancorp has higher revenue and earnings than DSA FINL CORP/SH.
DSA FINL CORP/SH pays an annual dividend of $0.44 per share and has a dividend yield of 4.0%. Premier Financial Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.8%. Premier Financial Bancorp has increased its dividend for 3 consecutive years.
This is a summary of current ratings and price targets for DSA FINL CORP/SH and Premier Financial Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|DSA FINL CORP/SH||0||0||0||0||N/A|
|Premier Financial Bancorp||0||0||0||0||N/A|
Volatility & Risk
DSA FINL CORP/SH has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500. Comparatively, Premier Financial Bancorp has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500.
Institutional & Insider Ownership
31.2% of Premier Financial Bancorp shares are owned by institutional investors. 12.9% of Premier Financial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
This table compares DSA FINL CORP/SH and Premier Financial Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|DSA FINL CORP/SH||18.07%||N/A||N/A|
|Premier Financial Bancorp||27.09%||10.41%||1.31%|
Premier Financial Bancorp beats DSA FINL CORP/SH on 10 of the 12 factors compared between the two stocks.
About DSA FINL CORP/SH
DSA Financial Corporation operates as the holding company for Dearborn Savings Bank that provides various financial services. The company offers checking accounts, savings accounts, certificate of deposits, and IRA accounts, as well as residential, residential construction, home equity, business loans. DSA Financial Corporation was incorporated in 2004 and is based in Lawrenceburg, Indiana.
About Premier Financial Bancorp
Premier Financial Bancorp, Inc. offers banking products and services. The company offers demand deposits and interest and non-interest bearing time and savings deposits. The company's deposits include jumbo deposits and retail time deposits. The bank provides commercial and industrial loans, consumer loans, commercial real estate loans, and other loans and leases. The bank offers consumer loans, including credit card loans, revolving credit plans, and automotive loans. The bank offers commercial real estate loans for land development and on-site construction of industrial, commercial, residential, or farm buildings in the United States; real estate-backed residential loans; and commercial loans collateralized by real estate properties. The company offers domestic and foreign commercial and industrial loans. It offers loans for the purpose of financing agricultural production; loans which include planned and unplanned overdrafts, to governments in non-U.S. countries, to their official institutions, and to international and regional institutions. For 2017, it has an asset value of 1.7 million USD. The bank has generated a net income of 20,168 USD in December 31, 2017. Premier Financial Bancorp, Inc. was founded in 1991 and is based in Huntington, West Virginia.
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