First Northern Community Bancorp (OTCMKTS:FNRN) and Community First Bancshares (NASDAQ:CFBI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, earnings, risk, valuation, institutional ownership, dividends and analyst recommendations.

Earnings and Valuation

This table compares First Northern Community Bancorp and Community First Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Northern Community Bancorp $48.14 million 2.74 $12.60 million N/A N/A
Community First Bancshares $16.20 million 4.74 $440,000.00 N/A N/A

First Northern Community Bancorp has higher revenue and earnings than Community First Bancshares.

Profitability

This table compares First Northern Community Bancorp and Community First Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Northern Community Bancorp 19.79% 12.05% 1.03%
Community First Bancshares 2.78% 0.59% 0.15%

Analyst Ratings

This is a breakdown of recent recommendations and price targets for First Northern Community Bancorp and Community First Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Northern Community Bancorp 0 0 0 0 N/A
Community First Bancshares 0 0 0 0 N/A

Insider and Institutional Ownership

3.4% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 2.6% of Community First Bancshares shares are held by institutional investors. 9.7% of First Northern Community Bancorp shares are held by company insiders. Comparatively, 1.3% of Community First Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

First Northern Community Bancorp has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500. Comparatively, Community First Bancshares has a beta of -0.03, indicating that its share price is 103% less volatile than the S&P 500.

Summary

First Northern Community Bancorp beats Community First Bancshares on 8 of the 10 factors compared between the two stocks.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the holding company for First Northern Bank of Dixon, a state-chartered bank that provides commercial banking services to individuals and small to medium sized businesses in California. It accepts demand, interest bearing transaction, savings and money market, and time deposits. The company also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, it offers investment and brokerage services; alternative investment products and services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, the company provides credit cards; issues cashier's checks; sells travelers' checks; rents safe deposit boxes; and offers other customary banking services. It operates 10 full service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and an asset management and trust department in Downtown Sacramento. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

About Community First Bancshares

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, indirect automobile loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through its main and branch office in Covington, Georgia; and loan production offices in Watkinsville and Braselton, Georgia. The company was founded in 1928 and is headquartered in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

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