Carolina Bank Holding Inc. (NC) (NASDAQ: CLBH) and Xenith Bankshares (NASDAQ:XBKS) are both small-cap financials companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, dividends, risk, analyst recommendations, profitability, valuation and earnings.
This table compares Carolina Bank Holding Inc. (NC) and Xenith Bankshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Carolina Bank Holding Inc. (NC)||14.33%||7.32%||0.68%|
This is a breakdown of current ratings and recommmendations for Carolina Bank Holding Inc. (NC) and Xenith Bankshares, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Carolina Bank Holding Inc. (NC)||0||0||0||0||N/A|
Xenith Bankshares has a consensus target price of $28.00, indicating a potential downside of 20.41%. Given Xenith Bankshares’ higher possible upside, analysts plainly believe Xenith Bankshares is more favorable than Carolina Bank Holding Inc. (NC).
Institutional & Insider Ownership
48.9% of Carolina Bank Holding Inc. (NC) shares are owned by institutional investors. Comparatively, 58.7% of Xenith Bankshares shares are owned by institutional investors. 10.8% of Carolina Bank Holding Inc. (NC) shares are owned by insiders. Comparatively, 31.7% of Xenith Bankshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Risk and Volatility
Carolina Bank Holding Inc. (NC) has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500. Comparatively, Xenith Bankshares has a beta of 1.01, suggesting that its share price is 1% more volatile than the S&P 500.
Valuation & Earnings
This table compares Carolina Bank Holding Inc. (NC) and Xenith Bankshares’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Carolina Bank Holding Inc. (NC)||N/A||N/A||N/A||$1.01||27.71|
|Xenith Bankshares||$103.54 million||7.89||$57.04 million||$1.03||34.16|
Xenith Bankshares has higher revenue and earnings than Carolina Bank Holding Inc. (NC). Carolina Bank Holding Inc. (NC) is trading at a lower price-to-earnings ratio than Xenith Bankshares, indicating that it is currently the more affordable of the two stocks.
Xenith Bankshares beats Carolina Bank Holding Inc. (NC) on 9 of the 10 factors compared between the two stocks.
Carolina Bank Holding Inc. (NC) Company Profile
Carolina Bank Holdings, Inc. is a bank holding company of the Carolina Bank (the Bank). The Bank engages in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. The Company operates through three segments: the Commercial/Retail Bank, the Mortgage Banking Division and the Holding Company. The Bank’s operations are commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived from customers in its geographic market. It provides commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, individual retirement accounts and related business and individual banking services. It offers loans, which include construction and development loans, commercial real estate loans, home equity lines, residential real estate loans, commercial and industrial loans, and consumer and other loans.
Xenith Bankshares Company Profile
Xenith Bankshares, Inc., formerly Hampton Roads Bankshares, Inc., is a bank holding company for Xenith Bank. Xenith Bank is a commercial bank specifically targeting the banking needs of middle market and small businesses, local real estate developers and investors, and retail banking clients. Xenith Bank’s regional area of operations spans from Baltimore, Maryland, to Raleigh and eastern North Carolina, complementing its presence in greater Washington, D.C., greater Richmond, Virginia, and greater Hampton Roads, Virginia. Its service and products consist primarily of taking deposits from, and making loans to, its target customers within its target markets. It offers other banking related specialized products and services to its customers, such as travelers’ checks, coin counters, wire services, online banking and safe deposit box services. Additionally, it offers commercial customers various cash management products, including remote deposit.
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