SBT Bancorp (OTCMKTS:SBTB) & Peoples Bancorp of North Carolina (OTCMKTS:PEBK) Head-To-Head Analysis

SBT Bancorp (OTCMKTS:SBTB) and Peoples Bancorp of North Carolina (NASDAQ:PEBK) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, risk, analyst recommendations, dividends, institutional ownership, valuation and profitability.

Institutional and Insider Ownership

2.1% of SBT Bancorp shares are owned by institutional investors. Comparatively, 32.8% of Peoples Bancorp of North Carolina shares are owned by institutional investors. 14.6% of SBT Bancorp shares are owned by company insiders. Comparatively, 11.3% of Peoples Bancorp of North Carolina shares are owned 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.

Valuation & Earnings

This table compares SBT Bancorp and Peoples Bancorp of North Carolina’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SBT Bancorp $21.39 million 3.29 $4.11 million N/A N/A
Peoples Bancorp of North Carolina $61.52 million 2.60 $13.38 million N/A N/A

Peoples Bancorp of North Carolina has higher revenue and earnings than SBT Bancorp.

Profitability

This table compares SBT Bancorp and Peoples Bancorp of North Carolina’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SBT Bancorp 16.94% N/A N/A
Peoples Bancorp of North Carolina 21.71% 11.27% 1.25%

Analyst Ratings

This is a summary of recent ratings and recommmendations for SBT Bancorp and Peoples Bancorp of North Carolina, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SBT Bancorp 0 0 0 0 N/A
Peoples Bancorp of North Carolina 0 0 0 0 N/A

Risk & Volatility

SBT Bancorp has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500. Comparatively, Peoples Bancorp of North Carolina has a beta of 0.75, meaning that its stock price is 25% less volatile than the S&P 500.

Dividends

SBT Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.2%. Peoples Bancorp of North Carolina pays an annual dividend of $0.56 per share and has a dividend yield of 2.1%. Peoples Bancorp of North Carolina has increased its dividend for 6 consecutive years. Peoples Bancorp of North Carolina is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Peoples Bancorp of North Carolina beats SBT Bancorp on 9 of the 12 factors compared between the two stocks.

SBT Bancorp Company Profile

SBT Bancorp, Inc. operates as a bank holding company for The Simsbury Bank & Trust Company, Inc. that provides commercial banking services to individual consumers and small businesses in Connecticut. The company offers FDIC-insured checking, savings, IRA accounts, and 401K rollover accounts; commercial loans and residential mortgage programs, as well as home equity lines and loans; safe deposits and other customary non-deposit banking services; Internet banking services; and investment products. It operates through branch offices in the towns of Granby, Avon, Bloomfield, and West Hartford, Connecticut; and six ATMs. SBT Bancorp, Inc. was founded in 1995 and is based in Weatogue, Connecticut.

Peoples Bancorp of North Carolina Company Profile

Peoples Bancorp of North Carolina, Inc. operates as a bank holding company for Peoples Bank that provides various banking products and services to individuals and small to medium-sized businesses. It offers various deposit products. The company's loan products comprise commercial real estate, commercial, construction and land development, single-family residential, residential mortgage, individual taxpayer identification number mortgage loans, as well as agricultural loans. It also provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. In addition, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. As of December 31, 2018, it operated 20 banking offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary in North Carolina. The company also operates loan production offices in Denver and Durham, North Carolina. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

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