FSB Bancorp (NASDAQ:FSBC) and Meta Financial Group (NASDAQ:CASH) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, risk, dividends, earnings, institutional ownership, analyst recommendations and valuation.

Valuation and Earnings

This table compares FSB Bancorp and Meta Financial Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FSB Bancorp $15.26 million 2.22 $140,000.00 N/A N/A
Meta Financial Group $343.06 million 3.41 $51.62 million $2.81 11.00

Meta Financial Group has higher revenue and earnings than FSB Bancorp.

Profitability

This table compares FSB Bancorp and Meta Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FSB Bancorp -0.30% -0.15% -0.01%
Meta Financial Group 16.57% 11.64% 1.52%

Dividends

Meta Financial Group pays an annual dividend of $0.20 per share and has a dividend yield of 0.6%. FSB Bancorp does not pay a dividend. Meta Financial Group pays out 7.1% of its earnings in the form of a dividend.

Insider and Institutional Ownership

20.9% of FSB Bancorp shares are owned by institutional investors. Comparatively, 71.4% of Meta Financial Group shares are owned by institutional investors. 9.2% of FSB Bancorp shares are owned by company insiders. Comparatively, 7.7% of Meta Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk & Volatility

FSB Bancorp has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, Meta Financial Group has a beta of 1.27, suggesting that its stock price is 27% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations and price targets for FSB Bancorp and Meta Financial Group, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FSB Bancorp 0 0 0 0 N/A
Meta Financial Group 0 0 1 1 3.50

Meta Financial Group has a consensus target price of $35.00, suggesting a potential upside of 13.20%. Given Meta Financial Group’s higher possible upside, analysts plainly believe Meta Financial Group is more favorable than FSB Bancorp.

Summary

Meta Financial Group beats FSB Bancorp on 12 of the 14 factors compared between the two stocks.

FSB Bancorp Company Profile

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

Meta Financial Group Company Profile

Meta Financial Group, Inc. operates as the holding company for MetaBank that offers various banking products and services in the United States. The company accepts various deposit products, including statement savings accounts, money market savings accounts, negotiable order of withdrawal accounts, and checking accounts; and deposits related to prepaid cards, which primarily comprise checking accounts and certificate accounts. It also provides loans, such as commercial finance loans, commercial and multi-family real estate loans, one-to-four family mortgage loans, consumer finance loans, taxpayer advance loans, agriculture loans, consumer and commercial operating loans, and commercial insurance premium finance products. In addition, the company issues prepaid cards and consumer credit products; sponsors automated teller machines into various debit networks; and offers tax refund transfer and other payment industry products and services. It operates 10 full-service branch offices in Storm Lake and Des Moines, Iowa; and Brookings and Sioux Falls, South Dakota, as well as 17 non-branch offices located in South Dakota, Texas, California, Kentucky, Pennsylvania, Florida, Louisiana, Tennessee, Michigan, and Canada. The company was founded in 1954 and is headquartered in Sioux Falls, South Dakota.

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