Head to Head Analysis: Fifth District Bancorp (NASDAQ:FDSB) vs. First Guaranty Bancshares (NASDAQ:FGBI)

Fifth District Bancorp (NASDAQ:FDSB) and First Guaranty Bancshares (NASDAQ:FGBI) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, profitability and institutional ownership.

Insider and Institutional Ownership

39.5% of First Guaranty Bancshares shares are held by institutional investors. 8.6% of Fifth District Bancorp shares are held by company insiders. Comparatively, 47.2% of First Guaranty Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current recommendations for Fifth District Bancorp and First Guaranty Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fifth District Bancorp	1	0	0	0	1.00
First Guaranty Bancshares	1	1	0	0	1.50

Risk and Volatility

Fifth District Bancorp has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500. Comparatively, First Guaranty Bancshares has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.

Profitability

This table compares Fifth District Bancorp and First Guaranty Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fifth District Bancorp	15.43%	3.15%	0.76%
First Guaranty Bancshares	-21.47%	-16.79%	-0.87%

Earnings & Valuation

This table compares Fifth District Bancorp and First Guaranty Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fifth District Bancorp	$26.49 million	3.03	$4.09 million	$0.81	18.70
First Guaranty Bancshares	$221.76 million	0.67	-$56.02 million	($3.20)	-2.92

Fifth District Bancorp has higher earnings, but lower revenue than First Guaranty Bancshares. First Guaranty Bancshares is trading at a lower price-to-earnings ratio than Fifth District Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Fifth District Bancorp beats First Guaranty Bancshares on 7 of the 12 factors compared between the two stocks.

About Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.

About First Guaranty Bancshares

First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, non-residential loans secured by real estate, commercial and industrial loans, one- to four-family residential loans, multifamily loans, construction and land development loans, agricultural loans, farmland loans, and consumer and other loans to small to medium-sized businesses and professionals, and individuals. In addition, it offers a range of consumer services, including credit cards, mobile deposit capture, safe deposit boxes, official checks, online and mobile banking, automated teller machines, and online bill pay; provides additional solutions, such as merchant services, remote deposit capture, and lockbox services to business customers; and invests a portion of its assets in securities issued by the United States Government and its agencies, state and municipal obligations, corporate debt securities, mutual funds, and equity securities, as well as invests in mortgage-backed securities primarily issued or guaranteed by United States Government agencies or enterprises. First Guaranty Bancshares, Inc. was founded in 1934 and is headquartered in Hammond, Louisiana.