MALAGA FINL COR/SH (OTCMKTS:MLGF) and First Community (NASDAQ:FCCO) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, analyst recommendations, risk, valuation, institutional ownership, profitability and dividends.
This is a summary of recent ratings for MALAGA FINL COR/SH and First Community, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|MALAGA FINL COR/SH||0||0||0||0||N/A|
First Community has a consensus price target of $20.50, indicating a potential upside of 9.86%. Given First Community’s higher probable upside, analysts clearly believe First Community is more favorable than MALAGA FINL COR/SH.
Risk & Volatility
MALAGA FINL COR/SH has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500. Comparatively, First Community has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500.
This table compares MALAGA FINL COR/SH and First Community’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|MALAGA FINL COR/SH||N/A||N/A||N/A|
Earnings and Valuation
This table compares MALAGA FINL COR/SH and First Community’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|MALAGA FINL COR/SH||N/A||N/A||$13.50 million||N/A||N/A|
|First Community||$50.37 million||2.74||$11.23 million||$1.45||12.87|
MALAGA FINL COR/SH has higher earnings, but lower revenue than First Community.
Institutional and Insider Ownership
50.7% of First Community shares are owned by institutional investors. 5.7% of First Community shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
MALAGA FINL COR/SH pays an annual dividend of $1.00 per share and has a dividend yield of 4.4%. First Community pays an annual dividend of $0.44 per share and has a dividend yield of 2.4%. First Community pays out 30.3% of its earnings in the form of a dividend.
First Community beats MALAGA FINL COR/SH on 8 of the 11 factors compared between the two stocks.
About MALAGA FINL COR/SH
Malaga Financial Corporation operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers. The company offers checking accounts, savings accounts, money market accounts, and certificates of deposit. It also provides business loans and lines of credit, revolving lines of credit, term loans, lease and loan consolidation, equity lines of credit, small business administration loans, and special and income property loans, as well as personal loans and overdraft lines of credit. In addition, the company offers real estate loans comprising residential, construction, commercial, and apartment loans, as well as home equity lines of credit. Further, it provides U.S. savings bond redemption, coupon redemption, wire and telephone transfer, online and mobile banking, bill payer, e-statement, direct deposits, and ATM and VISA debit cards, as well as safe deposit boxes, notary, medallion signature guarantee, trust deed note collection, night depository, bank by mail, and photocopying services. As of April 17, 2018, the company operated six offices in the South Bay area of Los Angeles. Malaga Financial Corporation was founded in 1985 and is headquartered in Palos Verdes Estates, California.
About First Community
First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals. The company operates through four segments: Commercial and Retail Banking, Mortgage Banking, Investment Advisory and Non-Deposit, and Corporate. Its deposit products include demand deposit accounts, checking accounts, NOW accounts, and savings accounts, as well as other time deposits, such as daily money market accounts and longer-term certificates of deposit. The company's loan portfolio comprises commercial loans that consist of secured and unsecured loans for working capital, business expansion, and the purchase of equipment and machinery; consumer loans, including secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. It also provides other banking services, which include Internet banking, cash management services, safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, and automatic drafts for various accounts. In addition, the company offers non-deposit investment products and other investment brokerage services; VISA and MasterCard credit card services; financial and investment advisory services; and insurance services. It operates 20 full-service offices located in the Lexington County, Richland County, Newberry County, Kershaw County, Greenville County, Anderson County, Pickens County, and Aiken County, South Carolina; and Richmond County, Georgia. First Community Corporation was incorporated in 1994 and is headquartered in Lexington, South Carolina.
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