Albina Community Bancorp (OTCMKTS:ACBCQ) & First Financial Bankshares (NASDAQ:FFIN) Head-To-Head Review

Albina Community Bancorp (OTCMKTS:ACBCQGet Rating) and First Financial Bankshares (NASDAQ:FFINGet Rating) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, valuation, institutional ownership, earnings, profitability, risk and analyst recommendations.

Profitability

This table compares Albina Community Bancorp and First Financial Bankshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Albina Community Bancorp N/A N/A N/A
First Financial Bankshares 41.53% 17.81% 1.77%

Analyst Ratings

This is a breakdown of current ratings for Albina Community Bancorp and First Financial Bankshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Albina Community Bancorp 0 0 0 0 N/A
First Financial Bankshares 0 0 0 0 N/A

First Financial Bankshares has a consensus price target of $42.17, suggesting a potential upside of 23.22%. Given First Financial Bankshares’ higher possible upside, analysts clearly believe First Financial Bankshares is more favorable than Albina Community Bancorp.

Valuation & Earnings

This table compares Albina Community Bancorp and First Financial Bankshares’ gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Albina Community Bancorp N/A N/A N/A N/A N/A
First Financial Bankshares $564.52 million 8.65 $234.48 million $1.63 20.99

First Financial Bankshares has higher revenue and earnings than Albina Community Bancorp.

Institutional and Insider Ownership

53.9% of First Financial Bankshares shares are held by institutional investors. 4.2% of First Financial Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility & Risk

Albina Community Bancorp has a beta of 4.14, suggesting that its stock price is 314% more volatile than the S&P 500. Comparatively, First Financial Bankshares has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500.

Summary

First Financial Bankshares beats Albina Community Bancorp on 7 of the 8 factors compared between the two stocks.

About Albina Community Bancorp

(Get Rating)

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.

About First Financial Bankshares

(Get Rating)

First Financial Bankshares, Inc. is a bank holding company, which engages in the provision of financial and community banking services. It offers mortgage loans, savings and checking accounts, auto and equity loans, online and mobile banking, investment and trust management, and retirement plans. The company was founded in 1956 and is headquartered in Abilene, TX.

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