Comparing Sterling Bancorp (NASDAQ:SBT) & AMB Financial (OTCMKTS:AMFC)

Sterling Bancorp (NASDAQ:SBT) and AMB Financial (OTCMKTS:AMFC) 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, earnings, analyst recommendations, institutional ownership, profitability, dividends and valuation.

Risk and Volatility

Sterling Bancorp has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.25, indicating that its stock price is 75% less volatile than the S&P 500.

Profitability

This table compares Sterling Bancorp and AMB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Sterling Bancorp -5.05% -2.13% -0.18%
AMB Financial N/A N/A N/A

Insider & Institutional Ownership

22.3% of Sterling Bancorp shares are owned by institutional investors. Comparatively, 8.6% of AMB Financial shares are owned by institutional investors. 4.0% of Sterling Bancorp shares are owned by insiders. Comparatively, 37.7% of AMB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Sterling Bancorp and AMB Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Sterling Bancorp $155.70 million 1.69 -$12.97 million ($0.26) -20.04
AMB Financial N/A N/A N/A N/A N/A

AMB Financial has lower revenue, but higher earnings than Sterling Bancorp.

Analyst Recommendations

This is a summary of recent recommendations for Sterling Bancorp and AMB Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sterling Bancorp 0 0 1 0 3.00
AMB Financial 0 0 0 0 N/A

Sterling Bancorp presently has a consensus target price of $6.00, indicating a potential upside of 15.16%. Given Sterling Bancorp’s higher probable upside, analysts clearly believe Sterling Bancorp is more favorable than AMB Financial.

Summary

Sterling Bancorp beats AMB Financial on 5 of the 9 factors compared between the two stocks.

Sterling Bancorp Company Profile

Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.

AMB Financial Company Profile

AMB Financial Corp. is a holding company of American Community Bank of Indiana, which engages in the provision of financial services. The firm offers personal and business banking. It also involves in the business of attracting deposits from the general public and using such deposits to originate residential and commercial mortgage loans as well as other types of consumer and commercial loans. The company was founded on November 23, 1993 and is headquartered in St. John, IN.

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