Access National (NASDAQ:ANCX) and First Savings Financial Group (NASDAQ:FSFG) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, valuation, earnings, profitability, dividends, analyst recommendations and institutional ownership.

Dividends

Access National pays an annual dividend of $0.68 per share and has a dividend yield of 2.9%. First Savings Financial Group pays an annual dividend of $0.64 per share and has a dividend yield of 1.2%. Access National pays out 38.6% of its earnings in the form of a dividend. First Savings Financial Group has raised its dividend for 2 consecutive years.

Analyst Recommendations

This is a summary of current recommendations and price targets for Access National and First Savings Financial Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Access National 0 1 3 0 2.75
First Savings Financial Group 0 0 1 0 3.00

Access National currently has a consensus price target of $32.00, indicating a potential upside of 35.54%. First Savings Financial Group has a consensus price target of $75.00, indicating a potential upside of 38.63%. Given First Savings Financial Group’s stronger consensus rating and higher possible upside, analysts plainly believe First Savings Financial Group is more favorable than Access National.

Risk and Volatility

Access National has a beta of 1.01, meaning that its stock price is 1% more volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500.

Insider and Institutional Ownership

44.2% of Access National shares are held by institutional investors. Comparatively, 25.0% of First Savings Financial Group shares are held by institutional investors. 14.1% of Access National shares are held by company insiders. Comparatively, 17.3% of First Savings Financial Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Access National and First Savings Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Access National 24.62% 8.49% 1.26%
First Savings Financial Group 17.18% 11.83% 1.14%

Earnings and Valuation

This table compares Access National and First Savings Financial Group’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Access National $143.74 million 3.46 $35.38 million $1.76 13.41
First Savings Financial Group $55.45 million 2.24 $10.90 million N/A N/A

Access National has higher revenue and earnings than First Savings Financial Group.

Summary

Access National beats First Savings Financial Group on 10 of the 16 factors compared between the two stocks.

About Access National

Access National Corporation operates as the bank holding company for Access National Bank that provides credit, deposit, mortgage, and wealth management services to small and medium sized businesses, professionals, and associated individuals primarily in the greater Washington, D.C. Metropolitan Area. The company operates through three segments: Commercial Banking, Mortgage Banking, and Wealth Management. It offers checking, savings/money market, sweep, and zero balance accounts; investment management, financial planning, lockbox payment processing, payroll, and retirement account services, as well as certificates of deposit, qualified and employer sponsored retirement plans, and overnight investments; and loan products, including residential mortgage, asset secured, business investment, construction, and lot and land loans. In addition, the company provides lending products, such as accounts receivable lines of credit and collection; growth capital term loans; partner buyout funding; business acquisition, franchise, and equipment financing, as well as debt re-financing; and commercial mortgage and construction, and SBA preferred lender loans. The company operates from 15 banking centers located in Chantilly, Tysons, Reston, Leesburg, Manassas, Arlington, Alexandria, Ashburn, Gainesville, Marshall, Middleburg, Purcellville, Richmond, and Warrenton in Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.

About First Savings Financial Group

First Savings Financial Group, Inc. operates as the holding company for First Savings Bank that provides various banking products and services to consumers and businesses in southern Indiana. The company operates through Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate loans, multi-family real estate loans, commercial business loans, construction loans, and land and land development loans, as well as consumer loans comprising automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in investment activities; and the provision of reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Clarksville, Indiana.

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