First Northern Community Bancorp (OTCMKTS:FNRN) and Access National (NASDAQ:ANCX) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, risk, institutional ownership, valuation and profitability.
Institutional and Insider Ownership
4.2% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 44.2% of Access National shares are held by institutional investors. 9.7% of First Northern Community Bancorp shares are held by company insiders. Comparatively, 14.1% of Access National shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
First Northern Community Bancorp has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500. Comparatively, Access National has a beta of 1.01, indicating that its stock price is 1% more volatile than the S&P 500.
This table compares First Northern Community Bancorp and Access National’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Northern Community Bancorp||23.66%||11.80%||1.02%|
Earnings & Valuation
This table compares First Northern Community Bancorp and Access National’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Northern Community Bancorp||$52.83 million||2.62||$12.55 million||N/A||N/A|
|Access National||$143.74 million||3.46||$35.38 million||$1.76||13.41|
Access National has higher revenue and earnings than First Northern Community Bancorp.
Access National pays an annual dividend of $0.68 per share and has a dividend yield of 2.9%. First Northern Community Bancorp does not pay a dividend. Access National pays out 38.6% of its earnings in the form of a dividend.
This is a breakdown of current recommendations for First Northern Community Bancorp and Access National, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Northern Community Bancorp||0||0||0||0||N/A|
Access National has a consensus target price of $32.00, indicating a potential upside of 35.54%. Given Access National’s higher possible upside, analysts clearly believe Access National is more favorable than First Northern Community Bancorp.
Access National beats First Northern Community Bancorp on 12 of the 14 factors compared between the two stocks.
First Northern Community Bancorp Company Profile
First Northern Community Bancorp operates as the holding company for First Northern Bank of Dixon, a state-chartered bank that provides commercial banking services to individuals and small to medium sized businesses in California. It accepts demand, interest bearing transaction, savings and money market, and time deposits. The company also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, it offers investment and brokerage services; alternative investment products and services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, the company provides credit cards; issues cashier's checks; sells travelers' checks; rents safe deposit boxes; and offers other customary banking services. It operates 10 full service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and an asset management and trust department in Downtown Sacramento. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
Access National Company Profile
Access National Corporation operates as the bank holding company for Access National Bank that provides credit, deposit, mortgage, and wealth management services to small and medium sized businesses, professionals, and associated individuals primarily in the greater Washington, D.C. Metropolitan Area. The company operates through three segments: Commercial Banking, Mortgage Banking, and Wealth Management. It offers checking, savings/money market, sweep, and zero balance accounts; investment management, financial planning, lockbox payment processing, payroll, and retirement account services, as well as certificates of deposit, qualified and employer sponsored retirement plans, and overnight investments; and loan products, including residential mortgage, asset secured, business investment, construction, and lot and land loans. In addition, the company provides lending products, such as accounts receivable lines of credit and collection; growth capital term loans; partner buyout funding; business acquisition, franchise, and equipment financing, as well as debt re-financing; and commercial mortgage and construction, and SBA preferred lender loans. The company operates from 15 banking centers located in Chantilly, Tysons, Reston, Leesburg, Manassas, Arlington, Alexandria, Ashburn, Gainesville, Marshall, Middleburg, Purcellville, Richmond, and Warrenton in Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.
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