Stewardship Financial (NASDAQ:SSFN) and Atlantic Capital Bancshares (NASDAQ:ACBI) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, dividends, risk, profitability, earnings and institutional ownership.
Volatility & Risk
Stewardship Financial has a beta of 1.08, suggesting that its stock price is 8% more volatile than the S&P 500. Comparatively, Atlantic Capital Bancshares has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500.
This is a breakdown of current ratings and recommmendations for Stewardship Financial and Atlantic Capital Bancshares, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Atlantic Capital Bancshares||0||2||3||0||2.60|
Atlantic Capital Bancshares has a consensus price target of $19.25, indicating a potential upside of 12.97%. Given Atlantic Capital Bancshares’ higher probable upside, analysts plainly believe Atlantic Capital Bancshares is more favorable than Stewardship Financial.
Stewardship Financial pays an annual dividend of $0.12 per share and has a dividend yield of 0.8%. Atlantic Capital Bancshares does not pay a dividend.
Valuation and Earnings
This table compares Stewardship Financial and Atlantic Capital Bancshares’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Stewardship Financial||$39.42 million||3.46||$8.03 million||N/A||N/A|
|Atlantic Capital Bancshares||$104.81 million||3.72||$28.53 million||$1.08||15.78|
Atlantic Capital Bancshares has higher revenue and earnings than Stewardship Financial.
This table compares Stewardship Financial and Atlantic Capital Bancshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Atlantic Capital Bancshares||42.79%||8.56%||1.00%|
Insider & Institutional Ownership
30.8% of Stewardship Financial shares are held by institutional investors. Comparatively, 86.5% of Atlantic Capital Bancshares shares are held by institutional investors. 10.3% of Stewardship Financial shares are held by insiders. Comparatively, 3.6% of Atlantic Capital Bancshares shares are held by 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.
Atlantic Capital Bancshares beats Stewardship Financial on 8 of the 13 factors compared between the two stocks.
Stewardship Financial Company Profile
Stewardship Financial Corporation operates as the bank holding company for Atlantic Stewardship Bank that provides various commercial and retail banking products and services for small and medium-sized businesses, professionals, and individuals. The company offers various deposits, such as personal and business checking accounts, time deposits, money market accounts, regular savings accounts, certificates of deposit, and term certificate accounts. It also offers various loans consisting of commercial, consumer, residential real estate and mortgage, home equity, personal, construction, automobile, home improvement, and unsecured loans. The company, through its other subsidiaries, is involved in owning and managing an investment portfolio; and insurance business. It operates through main office in Midland Park, as well 11 branches in Hawthorne, Ridgewood, Montville, Morristown, North Haledon, Pequannock, Waldwick, Wayne, Westwood, and Wyckoff, New Jersey. The company was founded in 1984 and is based in Midland Park, New Jersey.
Atlantic Capital Bancshares Company Profile
Atlantic Capital Bancshares, Inc. operates as the bank holding company for Atlantic Capital Bank, N.A. that provides banking products and services in the Metropolitan Atlanta and rest of the United States. The company offers non-interest and interest bearing demand, savings and money market, time, and brokered deposits; and NOW accounts. It also provides working capital and equipment loans, loans supported by owner-occupied real estate, revolving lines of credit, term loans, and letters of credit; secured installment and term loans, and home equity lines of credit; and commercial real estate loans, including secured construction loans, secured mini-permanent loans, and secured or unsecured lines of credit. In addition, the company offers cash and treasury management, capital market, payment processing, specialty commercial lending, small business administration and franchise lending, payroll, electronic payment, and online and mobile banking services. It serves small and mid-sized businesses, franchisees, commercial enterprises, not for profit institutions, institutional caliber commercial real estate developers and investors, public real estate investment trusts and other commercial real estate clients, and individuals and professional services businesses. The company primarily operates a loan production office Athens, Georgia; and 16 additional locations located in Fulton, Whitfield, and Oconee County, Georgia, as well as Hamilton, Union, Jefferson, Knox, and Loudon County, Tennessee. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
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