Head-To-Head Analysis: Fvcbankcorp (NASDAQ:FVCB) versus Republic Bancorp (NASDAQ:RBCAA)

Fvcbankcorp (NASDAQ:FVCB – Get Free Report) and Republic Bancorp (NASDAQ:RBCAA – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, profitability, dividends, risk, valuation, earnings and institutional ownership.

Risk & Volatility

Fvcbankcorp has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500. Comparatively, Republic Bancorp has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500.

Profitability

This table compares Fvcbankcorp and Republic Bancorp’s net margins, return on equity and return on assets.

Insider and Institutional Ownership

43.6% of Fvcbankcorp shares are held by institutional investors. Comparatively, 24.4% of Republic Bancorp shares are held by institutional investors. 11.2% of Fvcbankcorp shares are held by insiders. Comparatively, 55.9% of Republic Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Fvcbankcorp and Republic Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

Republic Bancorp has higher revenue and earnings than Fvcbankcorp. Fvcbankcorp is trading at a lower price-to-earnings ratio than Republic Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Fvcbankcorp and Republic Bancorp, as provided by MarketBeat.

Fvcbankcorp presently has a consensus target price of $19.00, suggesting a potential upside of 13.16%. Given Fvcbankcorp’s stronger consensus rating and higher probable upside, analysts clearly believe Fvcbankcorp is more favorable than Republic Bancorp.

Dividends

Fvcbankcorp pays an annual dividend of $0.28 per share and has a dividend yield of 1.7%. Republic Bancorp pays an annual dividend of $1.98 per share and has a dividend yield of 2.3%. Fvcbankcorp pays out 21.9% of its earnings in the form of a dividend. Republic Bancorp pays out 30.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Republic Bancorp has increased its dividend for 27 consecutive years. Republic Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Republic Bancorp beats Fvcbankcorp on 12 of the 17 factors compared between the two stocks.

About Fvcbankcorp

(Get Free Report)

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

About Republic Bancorp

(Get Free Report)

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in six segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit; and retail and commercial mortgage, construction and land development, consumer, aircraft, and marine loans. It also provides credit cards; title insurance and other financial products and services; and private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it offers short-term and revolving credit facilities to mortgage bankers through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; payments-related products and services to consumers through third party service providers; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.