Analyzing FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) and Peapack-Gladstone Financial (OTCMKTS:PGC)

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FREEDOM BK OF V/SH SH (OTCMKTS:FDVA) and Peapack-Gladstone Financial (NASDAQ:PGC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings and institutional ownership.

Dividends

Peapack-Gladstone Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.7%. FREEDOM BK OF V/SH SH does not pay a dividend. Peapack-Gladstone Financial pays out 8.7% of its earnings in the form of a dividend.

Volatility and Risk

FREEDOM BK OF V/SH SH has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500. Comparatively, Peapack-Gladstone Financial has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500.

Profitability

This table compares FREEDOM BK OF V/SH SH and Peapack-Gladstone Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FREEDOM BK OF V/SH SH 1.54% 0.67% 0.08%
Peapack-Gladstone Financial 21.04% 9.73% 1.00%

Valuation and Earnings

This table compares FREEDOM BK OF V/SH SH and Peapack-Gladstone Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FREEDOM BK OF V/SH SH $25.57 million 2.54 $190,000.00 N/A N/A
Peapack-Gladstone Financial $203.88 million 2.70 $44.17 million $2.31 12.28

Peapack-Gladstone Financial has higher revenue and earnings than FREEDOM BK OF V/SH SH.

Analyst Ratings

This is a summary of recent recommendations and price targets for FREEDOM BK OF V/SH SH and Peapack-Gladstone Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FREEDOM BK OF V/SH SH 0 0 0 0 N/A
Peapack-Gladstone Financial 0 1 2 0 2.67

Peapack-Gladstone Financial has a consensus target price of $36.50, suggesting a potential upside of 28.70%. Given Peapack-Gladstone Financial’s higher probable upside, analysts plainly believe Peapack-Gladstone Financial is more favorable than FREEDOM BK OF V/SH SH.

Insider & Institutional Ownership

2.3% of FREEDOM BK OF V/SH SH shares are held by institutional investors. Comparatively, 71.6% of Peapack-Gladstone Financial shares are held by institutional investors. 4.1% of Peapack-Gladstone Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Peapack-Gladstone Financial beats FREEDOM BK OF V/SH SH on 12 of the 14 factors compared between the two stocks.

FREEDOM BK OF V/SH SH Company Profile

The Freedom Bank of Virginia provides various banking products and services primarily in the Northern Virginia area. The company accepts checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include consumer loans, such as installment loans, home equity line of credit, and mortgages for purchasing homes or refinancing existing mortgages; and commercial loans, including business installment loans, commercial line of credit, commercial real estate mortgages, and small business administration loans, as well as mortgage services. The company also provides credit and ATM/debit cards; insurance products; and online security, overdraft protection, notary, Merchant Visa and MasterCard agency, and online and telephone banking services, as well as wire transfers, ACH transactions, direct and night deposits, safe deposit boxes, cashier's checks, certified checks, money orders, and savings bonds. In addition, it acts as a broker-dealer in securities. The company operates through a network of branch offices located in Vienna, Fairfax, Reston, and Chantilly in Virginia. The Freedom Bank of Virginia is headquartered in Fairfax, Virginia.

Peapack-Gladstone Financial Company Profile

Peapack-Gladstone Financial Corporation operates as the bank holding company for Peapack-Gladstone Bank that provides private banking and wealth management services in the United States. The company operates in two segments, Banking and Private Wealth Management. It offers checking and savings accounts, money market and interest-bearing checking accounts, certificates of deposit, and individual retirement accounts. The company also provides working capital lines of credit, term loans for fixed asset acquisitions, commercial mortgages, multi-family mortgages, and other forms of asset-based financing services; and residential mortgages, home equity lines of credit, and other second mortgage loans. In addition, it offers asset management services; personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and other financial planning, tax preparation, and advisory services. Further, the company operates automated teller machines at 24 locations; and provides telephone and Internet banking, merchant credit card, and customer support sales services. Its private banking clients include businesses, non-profits, and consumers; and wealth management clients comprise individuals, families, foundations, endowments, trusts, and estates. The company operates its private banking locations in Bedminster, Morristown, Princeton, and Teaneck, New Jersey; and wealth management branches in Somerset, Morris, Hunterdon, and Union counties. Peapack-Gladstone Financial Corporation was founded in 1921 and is based in Bedminster, New Jersey.

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