Analyzing Security Bancorp (OTCMKTS:SCYT) and First Niles Financial (OTCMKTS:FNFI)

Profitability

This table compares First Niles Financial and Security Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Niles Financial	N/A	N/A	N/A
Security Bancorp	22.55%	N/A	N/A

Earnings & Valuation

This table compares First Niles Financial and Security Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Niles Financial	$14.03 million	0.88	$840,000.00	$0.31	25.97
Security Bancorp	$24.35 million	1.56	$5.49 million	$14.33	6.98

Security Bancorp has higher revenue and earnings than First Niles Financial. Security Bancorp is trading at a lower price-to-earnings ratio than First Niles Financial, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

First Niles Financial has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500. Comparatively, Security Bancorp has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500.

Dividends

First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.0%. Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.0%. First Niles Financial pays out 77.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Security Bancorp pays out 7.0% of its earnings in the form of a dividend.

Summary

Security Bancorp beats First Niles Financial on 6 of the 9 factors compared between the two stocks.

About First Niles Financial

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.

About Security Bancorp

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking products and services to individual and corporate customers in Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; and commercial loans, including installment loans, lines of credit, and real estate lending. In addition, the company provides financial services, as well as online, mobile, and telephone banking services. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.