Financial Review: Poage Bankshares (NASDAQ:PBSK) versus Ottawa Savings Bancorp (OTTW)

Ottawa Savings Bancorp (NASDAQ:OTTW) and Poage Bankshares (NASDAQ:PBSK) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, valuation, analyst recommendations, earnings, institutional ownership, risk and dividends.

Valuation & Earnings

This table compares Ottawa Savings Bancorp and Poage Bankshares’ top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ottawa Savings Bancorp $13.38 million 3.44 $1.99 million N/A N/A
Poage Bankshares $21.68 million 4.09 -$2.86 million N/A N/A

Ottawa Savings Bancorp has higher earnings, but lower revenue than Poage Bankshares.

Profitability

This table compares Ottawa Savings Bancorp and Poage Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ottawa Savings Bancorp 14.90% 3.82% 0.72%
Poage Bankshares -11.01% -3.99% -0.55%

Risk & Volatility

Ottawa Savings Bancorp has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500. Comparatively, Poage Bankshares has a beta of 0.24, meaning that its share price is 76% less volatile than the S&P 500.

Dividends

Ottawa Savings Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.7%. Poage Bankshares pays an annual dividend of $0.24 per share and has a dividend yield of 0.9%.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Ottawa Savings Bancorp and Poage Bankshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ottawa Savings Bancorp 0 0 0 0 N/A
Poage Bankshares 0 0 0 0 N/A

Insider and Institutional Ownership

23.2% of Ottawa Savings Bancorp shares are owned by institutional investors. Comparatively, 32.0% of Poage Bankshares shares are owned by institutional investors. 7.0% of Ottawa Savings Bancorp shares are owned by insiders. Comparatively, 12.0% of Poage Bankshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Ottawa Savings Bancorp beats Poage Bankshares on 6 of the 10 factors compared between the two stocks.

Ottawa Savings Bancorp Company Profile

Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a chartered savings bank that provides various financial services to individual and corporate customers in Illinois. The company offers various deposit accounts, including checking, money market, regular savings, club savings, certificate, and various retirement accounts. It also provides one-to-four family residential, multi-family and non-residential real estate, commercial, and construction loans; and consumer loans comprising auto, share, and personal unsecured loans, as well as home equity lines of credit. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is headquartered in Ottawa, Illinois.

Poage Bankshares Company Profile

Poage Bankshares, Inc. operates as a savings and loan holding company for Town Square Bank that provides financial services to individuals, families, and businesses. The company accepts various deposit products, including savings accounts, NOW and demand accounts, business checking accounts, certificates of deposits, money market accounts, and retirement accounts. It also offers one-to-four family residential mortgage loans; commercial and multi-family real estate loans; commercial and industrial loans; consumer loans comprising new and used automobile and truck loans, recreational vehicle loans, and personal loans; home equity loans and lines of credit; commercial business loans; and construction and land loans. In addition, Poage Bankshares, Inc. purchases investment securities comprising mortgage-backed securities. Further, the company operates automated teller machines; and offers debit cards, and online and mobile banking services. It operates nine offices in northeastern Kentucky; and a loan production office in Cincinnati, Ohio. The company was founded in 1889 and is headquartered in Ashland, Kentucky.

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