Amerant Bancorp (NASDAQ:AMTB – Get Rating) and 1st Colonial Bancorp (OTCMKTS:FCOB – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings.
Profitability
This table compares Amerant Bancorp and 1st Colonial Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Amerant Bancorp | 14.33% | 9.82% | 0.79% |
| 1st Colonial Bancorp | 22.57% | 13.72% | 1.11% |
Analyst Recommendations
This is a summary of recent recommendations and price targets for Amerant Bancorp and 1st Colonial Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Amerant Bancorp | 0 | 2 | 1 | 0 | 2.33 |
| 1st Colonial Bancorp | 0 | 0 | 0 | 0 | N/A |
Volatility and Risk
Amerant Bancorp has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, 1st Colonial Bancorp has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500.
Insider & Institutional Ownership
37.8% of Amerant Bancorp shares are held by institutional investors. Comparatively, 17.3% of 1st Colonial Bancorp shares are held by institutional investors. 13.5% of Amerant Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Earnings and Valuation
This table compares Amerant Bancorp and 1st Colonial Bancorp’s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Amerant Bancorp | $406.05 million | 1.65 | $63.31 million | $2.00 | 9.90 |
| 1st Colonial Bancorp | $35.44 million | 1.39 | $8.50 million | $1.73 | 6.07 |
Amerant Bancorp has higher revenue and earnings than 1st Colonial Bancorp. 1st Colonial Bancorp is trading at a lower price-to-earnings ratio than Amerant Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Amerant Bancorp beats 1st Colonial Bancorp on 10 of the 13 factors compared between the two stocks.
About Amerant Bancorp
Amerant Bancorp, Inc. operates as the bank holding company, which provides banking products and services to individuals and businesses in the United States and internationally. The firm offers a range of checking and savings accounts, certificates of deposit, and money market accounts. It also provides variable and fixed rate commercial real estate loans, loans secured by owner-occupied properties, loans to domestic and foreign individuals primarily secured by personal residence, working capital loans, asset-based lending, participations in shared national credits, purchased receivables, and small business administration loans, loans to financial institutions and acceptances, and consumer loans and overdrafts, such as automobile loans, personal loans, or loans secured by cash or securities and revolving credit card agreements. The company was founded in 1979 and is headquartered in Coral Gables, FL.
About 1st Colonial Bancorp
1st Colonial Bancorp, Inc. is a holding company, which engages in the provision of business and consumer financial services. It offers personal banking, business banking, residential lending, and loan application such as commercial loan, consumer loan, home equity term loan, home equity line of credit application, and mortgage application. The company was founded on June 30, 2000 and is headquartered in Cherry Hill, NJ.
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