Fifth District Bancorp (NASDAQ:FDSB) and Chesapeake Financial Shares (OTCMKTS:CPKF) Head to Head Analysis

Chesapeake Financial Shares (OTCMKTS:CPKF) and Fifth District Bancorp (NASDAQ:FDSB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, earnings, risk and valuation.

Insider and Institutional Ownership

3.7% of Chesapeake Financial Shares shares are held by institutional investors. 39.5% of Chesapeake Financial Shares shares are held by company insiders. Comparatively, 4.5% of Fifth District Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Chesapeake Financial Shares and Fifth District Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chesapeake Financial Shares	6.72%	11.80%	0.87%
Fifth District Bancorp	14.27%	2.88%	0.69%

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Chesapeake Financial Shares and Fifth District Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chesapeake Financial Shares	0	0	0	0	0.00
Fifth District Bancorp	1	0	0	0	1.00

Volatility & Risk

Chesapeake Financial Shares has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500. Comparatively, Fifth District Bancorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500.

Earnings & Valuation

This table compares Chesapeake Financial Shares and Fifth District Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chesapeake Financial Shares	$99.39 million	1.33	$11.43 million	$1.40	20.00
Fifth District Bancorp	$19.29 million	4.29	-$1.08 million	$0.73	20.55

Chesapeake Financial Shares has higher revenue and earnings than Fifth District Bancorp. Chesapeake Financial Shares is trading at a lower price-to-earnings ratio than Fifth District Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Chesapeake Financial Shares beats Fifth District Bancorp on 7 of the 12 factors compared between the two stocks.

About Chesapeake Financial Shares

Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. The company accepts interest and noninterest checking, savings, and money market accounts; and variable-rate and fixed-term money market accounts, as well as certificates of deposit. It also offers mortgage, and single-family residential and residential construction loans; commercial loans, which include owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans; and consumer and other loans. In addition, the company provides merchant processing, accounts receivable financing, wealth management and trust, and mortgage banking services, as well as cash management services. The company was founded in 1900 and is based in Kilmarnock, Virginia.

About Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.