Ames National (NASDAQ:ATLO) and Southern First Bancshares (NASDAQ:SFST) Stock Analysis


Ames National (NASDAQ:ATLO – Get Rating) and Southern First Bancshares (NASDAQ:SFST – Get Rating) are both small cap finance companies, but which is the better stock? We’ll compare the two companies based on the strength of their profitability, institutional ownership, valuation, analyst recommendations, dividends, earnings and risk.

Analyst Notes

This is a breakdown of recent ratings and price targets for Ames National and Southern First Bancshares, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Ames National 0 0 0 0 N / A
Southern First Bancshares 0 0 0 0 N / A

Institutional and insider ownership

21.5% of Ames National shares are held by institutional investors. By comparison, 83.9% of shares in Southern First Bancshares are held by institutional investors. 5.1% of Ames National shares are held by insiders. By comparison, 7.3% of Southern First Bancshares shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a stock will outperform the market over the long term.

Profitability

This table compares the net margins, return on equity and return on assets of Ames National and Southern First Bancshares.

Net margins Return on equity return on assets
Ames National 32.84% 11.45% 1.08%
Southern First Bancshares 40.68% 16.51% 1.55%

Risk and Volatility

Ames National has a beta of 0.7, suggesting its stock price is 30% less volatile than the S&P 500. In comparison, Southern First Bancshares has a beta of 0.94, suggesting its stock price is 6 % less volatile than the S&P 500.

Benefits and evaluation

This table compares revenue, earnings per share and valuation of Ames National and Southern First Bancshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Ames National $71.02 million 2.93 $23.91 million N / A N / A
Southern First Bancshares $110.27 million 3.06 $46.71 million $5.84 7.23

Southern First Bancshares has higher revenues and profits than Ames National.

Summary

Southern First Bancshares beats Ames National on 9 out of 10 factors compared between the two stocks.

About Ames National (Get a rating)

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Adams, Boone, Clarke, Hancock, Polk, Marshall, Ringgold, Story, Taylor and Union counties in Central, Mid- north and south. -Central Iowa. The company accepts a range of deposits, including checking and savings accounts; and term deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short and medium term commercial and agricultural real estate loans, residential real estate loans, loans for equipment, vehicles and home improvement; personal loans and lines of credit; agricultural and business loans and lines of credit; and creates mortgages for sale in the secondary market. In addition, the Company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security checks and ATM access services. automatic / video; and automatic drafts for various accounts, as well as wealth management services. Additionally, it provides farm management, investment, and custodial services to individuals, businesses, and non-profit organizations; and online, mobile and private banking management services. Ames National Corporation was founded in 1903 and is based in Ames, Iowa.

About Southern First Bancshares (Get a rating)

Southern First Bancshares, Inc. operates as a banking holding company for Southern First Bank which provides various banking products and services to the general public in South Carolina, North Carolina and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking and Corporate Operations. The Company accepts various deposit products, including checking accounts, business checking accounts and savings accounts, as well as other term deposits, including daily money market accounts and long-term certificates of deposit. Its loan portfolio includes commercial real estate loans; real estate construction loans; business enterprise loans for various industries, such as manufacturing, service industry and professional services fields; consumer real estate loans and home equity loans; and other consumer loans, including secured and unsecured installment loans and revolving lines of credit. In addition, the Company provides other banking services, such as internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking. It operates through eight retail offices located in Greenville, Charleston and Columbia; three retail offices located in the Raleigh, Greensboro and Charlotte markets; and a retail office located in Atlanta. The company was incorporated in 1999 and is headquartered in Greenville, South Carolina.



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