Critical Review: SEC BANCORP INC/SH SH (SCYT) versus Community First Bancshares (NASDAQ:CFBI)

Community First Bancshares (NASDAQ:CFBI) and SEC BANCORP INC/SH SH (OTCMKTS:SCYT) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, analyst recommendations, valuation, earnings and risk.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Community First Bancshares and SEC BANCORP INC/SH SH, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community First Bancshares 0 0 0 0 N/A
SEC BANCORP INC/SH SH 0 0 0 0 N/A



Risk & Volatility

Community First Bancshares has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500. Comparatively, SEC BANCORP INC/SH SH has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500.

Profitability

This table compares Community First Bancshares and SEC BANCORP INC/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community First Bancshares 1.35% 0.27% 0.07%
SEC BANCORP INC/SH SH N/A N/A N/A

Dividends

SEC BANCORP INC/SH SH pays an annual dividend of $1.00 per share and has a dividend yield of 1.7%. Community First Bancshares does not pay a dividend.

Valuation & Earnings

This table compares Community First Bancshares and SEC BANCORP INC/SH SH’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community First Bancshares $13.68 million 5.88 N/A N/A N/A
SEC BANCORP INC/SH SH N/A N/A N/A N/A N/A

Institutional & Insider Ownership

2.5% of Community First Bancshares shares are owned by institutional investors. 1.4% of Community First Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Community First Bancshares beats SEC BANCORP INC/SH SH on 7 of the 8 factors compared between the two stocks.

Community First Bancshares Company Profile

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through a main office and two branch offices in Covington, Georgia; and a loan production office in Bogart, Georgia. The company was founded in 1928 and is based in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

SEC BANCORP INC/SH SH Company Profile

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank of McMinnville that provides banking, financial, and mortgage services to individual and corporate customers primarily in Warren County, Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposits. It also offers consumer loans comprising installment loans, home equity lines of credit, home loans, and mortgage loans; and commercial loans, including installment loans and lines of credit loans. In addition, the company provides trust/investment services; annuities and mutual funds; insurance products, such as credit life, accident and health, mortgage protection, and term life insurance products; and Internet and mobile banking services. It operates three full-service bank locations and four ATM locations in Warren County. Security Bancorp, Inc. was founded in 1960 is headquartered in McMinnville, Tennessee.

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