Entegra Financial (NASDAQ:ENFC) and First BancTrust (OTCMKTS:FIRT) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk.

Insider and Institutional Ownership

48.9% of Entegra Financial shares are owned by institutional investors. Comparatively, 6.2% of First BancTrust shares are owned by institutional investors. 4.8% of Entegra Financial 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.

Profitability

This table compares Entegra Financial and First BancTrust’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Entegra Financial 20.21% 9.84% 0.93%
First BancTrust N/A N/A N/A

Dividends

First BancTrust pays an annual dividend of $0.44 per share and has a dividend yield of 1.3%. Entegra Financial does not pay a dividend.

Analyst Ratings

This is a summary of current ratings for Entegra Financial and First BancTrust, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Entegra Financial 0 2 0 0 2.00
First BancTrust 0 0 0 0 N/A

Entegra Financial presently has a consensus price target of $27.25, indicating a potential upside of 17.05%. Given Entegra Financial’s higher probable upside, equities analysts plainly believe Entegra Financial is more favorable than First BancTrust.

Valuation & Earnings

This table compares Entegra Financial and First BancTrust’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Entegra Financial $68.60 million 2.35 $13.91 million $2.15 10.83
First BancTrust N/A N/A N/A N/A N/A

Entegra Financial has higher revenue and earnings than First BancTrust.

Summary

Entegra Financial beats First BancTrust on 7 of the 8 factors compared between the two stocks.

Entegra Financial Company Profile

Entegra Financial Corp. operates as the bank holding company for Entegra Bank that provides various retail and commercial banking products and services in the United States. The company offers deposit accounts, including savings accounts, commercial and regular checking accounts, money market accounts, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, one-to-four family residential mortgage loans, commercial business loans, and home equity loans and lines of credit, as well as one-to four-family residential construction, other construction and land, and consumer loans. In addition, the company invests in securities, as well as provides wealth management services through a third party. As of January 18, 2018, it operated a network of 18 branches in the Western North Carolina counties of Cherokee, Haywood, Henderson, Jackson, Macon, Polk, and Transylvania; Upstate South Carolina counties of Anderson, Greenville, and Spartanburg; and Northern Georgia county of Pickens and Hall. The company also operated loan production offices in Asheville, North Carolina; Clemson, South Carolina; and Duluth, Georgia. The company was formerly known as Macon Financial Corp. and changed its name to Entegra Financial Corp. in 2014. Entegra Financial Corp. was founded in 1922 and is headquartered in Franklin, North Carolina.

First BancTrust Company Profile

First BancTrust Corporation operates as the holding company for First Bank and Trust, IL, a chartered bank that provides a range of banking and financial services to households, agriculture, and small businesses customers in the east-central Illinois. The company's deposit products include demand deposits, savings accounts, NOW accounts, various money market deposits, and certificates of deposit, as well as time and brokered time deposits; checking accounts; and retirement and health savings accounts. Its loan portfolio comprises mortgage loans, such as fixed and adjustable rate loans, first-time home buyer loans, FHA and VA loans for veterans, rural development loans, construction loans, and home equity loans; consumer loans, including personal, vehicle, home equity line of credit, and share loans; commercial loans consisting of revolving lines of credit, equipment loans, term loans, and commercial and investment real estate loans; and agriculture loans, such as equipment, farm real estate, and operating loans. The company also provides financial planning, online and mobile banking, e-statements, merchant processing, and remote capture services; and card services. In addition, it offers land title insurance and closing agency services, as well as crop insurance products to agricultural customers. The company serves individual and corporate customers through its offices in Paris, Marshall, Savoy, Rantoul, Champaign, and Martinsville, Illinois. First BancTrust Corporation was founded in 1887 and is based in Paris, Illinois.

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