Jeffersonville Bancorp (JFBC) and Valley National Bancorp (VLY) Head-To-Head Analysis

Jeffersonville Bancorp (OTCMKTS:JFBC) and Valley National Bancorp (NYSE:VLY) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, profitability, valuation, risk and earnings.

Valuation & Earnings

This table compares Jeffersonville Bancorp and Valley National Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Jeffersonville Bancorp $23.56 million N/A $6.20 million N/A N/A
Valley National Bancorp N/A N/A N/A N/A N/A

Jeffersonville Bancorp has higher revenue and earnings than Valley National Bancorp.

Analyst Recommendations

This is a summary of current recommendations and price targets for Jeffersonville Bancorp and Valley National Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jeffersonville Bancorp 0 0 0 0 N/A
Valley National Bancorp 0 2 2 0 2.50

Valley National Bancorp has a consensus price target of $13.69, suggesting a potential upside of 33.67%. Given Valley National Bancorp’s higher probable upside, analysts clearly believe Valley National Bancorp is more favorable than Jeffersonville Bancorp.

Profitability

This table compares Jeffersonville Bancorp and Valley National Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Jeffersonville Bancorp 26.32% 9.75% 1.23%
Valley National Bancorp N/A N/A N/A

Dividends

Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.5%. Valley National Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 4.3%.

Insider and Institutional Ownership

55.9% of Valley National Bancorp shares are held by institutional investors. 8.4% of Jeffersonville Bancorp shares are held by company insiders. Comparatively, 3.5% of Valley National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Jeffersonville Bancorp beats Valley National Bancorp on 5 of the 9 factors compared between the two stocks.

Jeffersonville Bancorp Company Profile

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers personal checking accounts; and small business checking, business checking, NOW checking, estate checking, non-profit checking, and interest on lawyer accounts. It also provides personal loan products, such as auto/RV/motorcycle/boat loans, home improvement, debt consolidation, check loans, and other financing; and business loans, including commercial real estate, commercial lines of credit, short-term notes, installments, and commercial vehicle/equipment loans, as well as agricultural and construction loans. In addition, the company offers an array of mortgage products, including residential, home equity lines of credit, construction, vacant land, manufactured homes, mobile homes, and seasonal homes. Further, it provides personal savings, business savings, and retirement accounts. Additionally, the company offers credit and debit cards; business services, including electronic deposits and withdrawals, and remote check deposits for business customers; and online/mobile banking services. As of March 16, 2018, it had 11 full service branches in Sullivan County and 1 branch in Orange County. The company was founded in 1913 and is based in Jeffersonville, New York.

Valley National Bancorp Company Profile

Valley National Bancorp operates as the holding company for the Valley National Bank that provides commercial, retail, trust, and investment services. The company operates through Commercial Lending, Consumer Lending, and Investment Management segments. Its deposit products include non-interest bearing, savings, NOW, and money market deposits, as well as certificates of deposit. The company's loan products comprise construction, residential mortgage, home equity, automobile, and floating rate and adjustable rate commercial and industrial loans, as well as fixed rate owner occupied and commercial real estate loans, credit card loans, personal lines of credit, personal loans, and loans secured by cash surrender value of life insurance. It also invests in securities and interest-bearing deposits with banks, such as fixed rate securities and federal funds; and offers international banking services, such as standby letters of credit, documentary letters of credit and related products, and other ancillary services. In addition, the company provides asset management advisory, trust, and asset-based lending support services; property and casualty, life, health, and title insurance products; and health care equipment lending and other commercial equipment leases, as well as real estate related investments. Further, it offers other banking services comprising automated teller machine, telephone and Internet banking, remote deposit capturing, overdraft, drive-in and night deposit, and safe deposit services. As of December 31, 2017, the company operated 237 branches in northern and central New Jersey; the New York City boroughs of Manhattan, Brooklyn, Queens, and Long Island; and southeast and central Florida. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.

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