Bancorp 34 (OTCMKTS:BCTF – Get Rating) and Mid-Southern Bancorp (NASDAQ:MSVB – Get Rating) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, risk, valuation and earnings.
Dividends
Bancorp 34 pays an annual dividend of $0.28 per share and has a dividend yield of 3.0%. Mid-Southern Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 2.6%. Mid-Southern Bancorp pays out 36.9% of its earnings in the form of a dividend. Mid-Southern Bancorp has increased its dividend for 2 consecutive years.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Bancorp 34 and Mid-Southern Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bancorp 34 | 0 | 0 | 0 | 0 | N/A |
| Mid-Southern Bancorp | 0 | 0 | 0 | 0 | N/A |
Volatility & Risk
Bancorp 34 has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500. Comparatively, Mid-Southern Bancorp has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500.
Profitability
This table compares Bancorp 34 and Mid-Southern Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bancorp 34 | N/A | N/A | N/A |
| Mid-Southern Bancorp | 16.51% | 5.34% | 0.66% |
Valuation and Earnings
This table compares Bancorp 34 and Mid-Southern Bancorp’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bancorp 34 | N/A | N/A | N/A | N/A | N/A |
| Mid-Southern Bancorp | $8.91 million | 3.01 | $1.88 million | $0.65 | 14.32 |
Mid-Southern Bancorp has higher revenue and earnings than Bancorp 34.
Institutional & Insider Ownership
25.5% of Mid-Southern Bancorp shares are owned by institutional investors. 7.4% of Bancorp 34 shares are owned by insiders. Comparatively, 9.3% of Mid-Southern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
Mid-Southern Bancorp beats Bancorp 34 on 7 of the 10 factors compared between the two stocks.
About Bancorp 34
Bancorp 34, Inc. is a savings and loan holding company engaged in the provision of savings and loan services. Its offers consumer & business banking products & services such as mortgages, checking & savings account, credit & debit cards, safe deposit boxes, commercial lending, cash management business, business money market and Interest on Lawyers Trust Accounts. The company was founded in March 2016 and is headquartered in Alamogordo, NM.
About Mid-Southern Bancorp
Mid-Southern Bancorp, Inc. is the savings and loan holding company of Mid-Southern Savings Bank. It originates from one-to-four family residential real estate loans including home equity lines of credit, commercial, multifamily real estate, and construction loans. The firm offers commercial business and other consumer loans. The company was founded in January 2018 and is headquartered in Salem, IN.
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