1ST RES BK EXTO/SH (FRSB) and CBTX (CBTX) Head to Head Analysis

1ST RES BK EXTO/SH (OTCMKTS:FRSB) and CBTX (NASDAQ:CBTX) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, institutional ownership, risk, analyst recommendations, profitability, earnings and valuation.

Insider & Institutional Ownership

4.8% of 1ST RES BK EXTO/SH shares are owned by institutional investors. Comparatively, 30.6% of CBTX shares are owned by institutional investors. 29.2% of CBTX shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares 1ST RES BK EXTO/SH and CBTX’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
1ST RES BK EXTO/SH $13.52 million 2.04 $2.16 million N/A N/A
CBTX $137.51 million 5.33 $47.29 million $1.89 14.92

CBTX has higher revenue and earnings than 1ST RES BK EXTO/SH.

Risk & Volatility

1ST RES BK EXTO/SH has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500. Comparatively, CBTX has a beta of 0.93, indicating that its stock price is 7% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for 1ST RES BK EXTO/SH and CBTX, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
1ST RES BK EXTO/SH 0 0 0 0 N/A
CBTX 0 2 0 0 2.00

CBTX has a consensus price target of $35.00, suggesting a potential upside of 24.11%. Given CBTX’s higher possible upside, analysts plainly believe CBTX is more favorable than 1ST RES BK EXTO/SH.

Profitability

This table compares 1ST RES BK EXTO/SH and CBTX’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
1ST RES BK EXTO/SH 14.50% N/A N/A
CBTX 31.19% 10.14% 1.51%

Dividends

CBTX pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. 1ST RES BK EXTO/SH does not pay a dividend. CBTX pays out 21.2% of its earnings in the form of a dividend.

Summary

CBTX beats 1ST RES BK EXTO/SH on 12 of the 13 factors compared between the two stocks.

About 1ST RES BK EXTO/SH

First Resource Bank provides personal and business banking products and services primarily in the southeastern area of Pennsylvania. The company accepts checking, money market, escrow, and CD/IRA accounts, as well as offers certificate deposit account registry services and insured cash sweeps. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity line of credit, fixed payment home equity loans, residential construction loans, land loans, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides credit and debit cards; and cash management, ACH origination, sweep/transfer, ATMs, over the counter checks, online and mobile banking, bill payment, telephone banking, wire transfer, guarantee/notary, safe deposit boxes, night depository, foreign currency exchange, cashier's checks, stop payments, and overdraft protection services. It serves businesses, professionals, and individuals in Chester County, Pennsylvania through two full-service branches. First Resource Bank was founded in 2005 and is based in Exton, Pennsylvania.

About CBTX

CBTX, Inc. operates as the bank holding company for CommunityBank of Texas, National Association that provides commercial banking solutions to small and mid-sized businesses, and professionals in the United States. The company offers various deposit products, including demand, savings, money market, and time accounts; and loans, such as commercial and industrial loans, commercial real estate loans, construction and development loans, 1-4 family residential mortgage loans, multi-family residential loans, consumer loans, and agricultural loans. It also provides treasury and online banking services. CBTX, Inc. operates 35 banking locations, including 19 branches in Houston; 15 branches in Beaumont; and 1 branch in Dallas. The company was formerly known as CBFH, Inc. and changed its name to CBTX, Inc. in September 2017. CBTX, Inc. was founded in 2007 and is based in Houston, Texas.

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