American Business Bank (OTCMKTS:AMBZ) and Avidbank (OTCMKTS:AVBH) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, risk, earnings, profitability, dividends, valuation and institutional ownership.
Insider and Institutional Ownership
2.8% of American Business Bank shares are owned by institutional investors. Comparatively, 8.8% of Avidbank shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Risk and Volatility
American Business Bank has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500. Comparatively, Avidbank has a beta of 0.36, indicating that its stock price is 64% less volatile than the S&P 500.
This table compares American Business Bank and Avidbank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American Business Bank||N/A||N/A||N/A|
Earnings and Valuation
This table compares American Business Bank and Avidbank’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|American Business Bank||$57.86 million||4.92||$8.32 million||N/A||N/A|
|Avidbank||$35.24 million||3.89||$5.65 million||N/A||N/A|
American Business Bank has higher revenue and earnings than Avidbank.
This is a summary of current recommendations for American Business Bank and Avidbank, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American Business Bank||0||0||0||0||N/A|
American Business Bank beats Avidbank on 5 of the 9 factors compared between the two stocks.
About American Business Bank
American Business Bank provides various banking and financial services to wholesalers, manufacturers, businesses, professionals, and non-profits in California. Its deposit products include checking, money market, savings, business demand deposit, business money market, special deposit, zero balance, and sweep accounts, as well as certificates of deposit. The company's loan products comprise personal loans, lines of credit, short term working capital lines, term loans, commercial/industrial real estate loans, and accounts receivable lines. It also offers various services, such as telephone notification, lock box processing, investment, courier, remote deposit, consulting, general business advice, investment banking, investment management, equipment leasing, residential mortgage lending, and professional referral services, as well as online banking services consisting of bill payment, fund transfer, account information, automatic clearing house origination, stop payment, and wire transfer services; and provides credit cards and ATM cards. In addition, the company offers international banking services, including international money transfer, letters of credit, foreign currency deposit, documentary and cleaning collection, and foreign currency exchange services. It operates through five loan production offices in Anaheim, Irvine, Torrance, the Warner Center, and Ontario. American Business Bank was founded in 1998 and is headquartered in Los Angeles, California.
Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mateo and Santa Clara counties. The company accepts various deposit products, such as checking accounts, money market checking accounts, savings accounts, and certificates of deposit. Its loan products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, term loans, business lines of credit, equipment financing and term loans, acquisition financing, ESOP loans, technology and asset-based lending, and standby letters of credit. The company also offers land acquisition loans, pre-development loans, and construction loans on residential, commercial, and mixed-use properties; real estate mortgage, commercial, and consumer loans; and commercial revolving lines of credit, as well as real estate bridge financing services. In addition, it provides various services, including ATM/debit cards, online banking and bill pay, eBanking, foreign and domestic wire transfer, credit cards, safe deposit boxes, complimentary notary, cashier's checks, foreign currency, postage-paid bank by mail, merchant, remote deposit capture, ACH origination, business courier, night deposit, and cash management services, as well as tax deposits/EFTPs and specialty finance products. The company was founded in 2003 and is headquartered in San Jose, California.
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