Critical Contrast: CBB BANCORP INC/SH (OTCMKTS:CBBI) versus MidSouth Bancorp (OTCMKTS:MSL)

CBB BANCORP INC/SH (OTCMKTS:CBBI) and MidSouth Bancorp (NYSE:MSL) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, profitability, institutional ownership and earnings.

Valuation & Earnings

This table compares CBB BANCORP INC/SH and MidSouth Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CBB BANCORP INC/SH $72.87 million 0.98 $13.34 million N/A N/A
MidSouth Bancorp $95.06 million 2.01 -$27.52 million ($0.37) -30.92

CBB BANCORP INC/SH has higher earnings, but lower revenue than MidSouth Bancorp.

Analyst Ratings

This is a breakdown of recent ratings and price targets for CBB BANCORP INC/SH and MidSouth Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CBB BANCORP INC/SH 0 0 0 0 N/A
MidSouth Bancorp 0 0 0 0 N/A

Risk & Volatility

CBB BANCORP INC/SH has a beta of 0.89, meaning that its share price is 11% less volatile than the S&P 500. Comparatively, MidSouth Bancorp has a beta of 1.29, meaning that its share price is 29% more volatile than the S&P 500.

Institutional & Insider Ownership

61.9% of MidSouth Bancorp shares are owned by institutional investors. 12.8% of MidSouth Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares CBB BANCORP INC/SH and MidSouth Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CBB BANCORP INC/SH 15.93% N/A N/A
MidSouth Bancorp -38.21% -10.41% -1.10%

CBB BANCORP INC/SH Company Profile

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.

MidSouth Bancorp Company Profile

MidSouth Bancorp, Inc., a bank holding company, through its subsidiary MidSouth Bank, N.A., provides various community banking products and services to commercial and retail customers in the United States. The company offers various deposit products, including interest-bearing and noninterest-bearing checking accounts, money market, savings accounts, investment accounts, and NOW account deposits, as well as time deposits, such as certificates of deposit; and commercial and industrial, commercial real estate, and consumer loans, as well as other loans secured by real estate. It also provides cash management services; and electronic banking services comprising remote deposit capturing services, Internet banking, and debit and credit cards. As of March 1, 2019, the company had 42 offices located in Louisiana and Texas, as well as a network of approximately 55,000 surcharge-free ATMs. MidSouth Bancorp, Inc. was incorporated in 1984 and is headquartered in Lafayette, Louisiana.

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