Primis Financial (NASDAQ:FRST – Get Free Report) and MVB Financial (NASDAQ:MVBF – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, dividends, valuation, profitability and analyst recommendations.
Dividends
Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.8%. MVB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.6%. Primis Financial pays out 46.5% of its earnings in the form of a dividend. MVB Financial pays out 36.4% 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.
Valuation & Earnings
This table compares Primis Financial and MVB Financial’s revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Primis Financial | $244.23 million | 1.06 | $9.94 million | $0.86 | 12.19 |
MVB Financial | $209.53 million | 1.15 | $31.23 million | $1.87 | 9.97 |
Analyst Recommendations
This is a breakdown of recent ratings and target prices for Primis Financial and MVB Financial, as reported by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Primis Financial | 0 | 0 | 0 | 0 | N/A |
MVB Financial | 0 | 1 | 3 | 0 | 2.75 |
MVB Financial has a consensus target price of $25.25, indicating a potential upside of 35.46%. Given MVB Financial’s higher probable upside, analysts plainly believe MVB Financial is more favorable than Primis Financial.
Profitability
This table compares Primis Financial and MVB Financial’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Primis Financial | 8.73% | 5.90% | 0.58% |
MVB Financial | 11.10% | 8.65% | 0.71% |
Insider and Institutional Ownership
75.0% of Primis Financial shares are held by institutional investors. Comparatively, 52.7% of MVB Financial shares are held by institutional investors. 11.1% of Primis Financial shares are held by insiders. Comparatively, 11.1% of MVB Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Volatility & Risk
Primis Financial has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500. Comparatively, MVB Financial has a beta of 1.05, meaning that its stock price is 5% more volatile than the S&P 500.
Summary
MVB Financial beats Primis Financial on 11 of the 15 factors compared between the two stocks.
About Primis Financial
Primis Financial Corp. operates as the bank holding company for Primis Bank that provides a range of financial services to individuals and small and medium sized businesses in the United States. Its deposit products include checking, NOW, savings, and money market accounts, as well as certificates of deposits. The company also provides commercial business and real estate, construction, secured asset based, small business administration, mortgage warehouse lending products, as well as financing for medical, dental, and veterinary businesses; residential mortgage, trust mortgage, home equity lines of credit, secured and unsecured personal, and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, depository transfer, merchant, ACH origination, and remote deposit capture services. In addition, the company provides debit cards, ATM services, notary services, and mobile and online banking. It operates full-service branches in Virginia and Maryland. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.
About MVB Financial
MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.
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