Analyzing Pinnacle Bancshares (OTCMKTS:PCLB) and Randolph Bancorp (OTCMKTS:RNDB)

Pinnacle Bancshares (OTCMKTS:PCLB) and Randolph Bancorp (NASDAQ:RNDB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, valuation, earnings, risk and dividends.

Risk and Volatility

Pinnacle Bancshares has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, Randolph Bancorp has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500.

Profitability

This table compares Pinnacle Bancshares and Randolph Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Pinnacle Bancshares N/A N/A N/A
Randolph Bancorp 2.60% -0.79% -0.10%

Institutional & Insider Ownership

6.0% of Pinnacle Bancshares shares are owned by institutional investors. Comparatively, 34.2% of Randolph Bancorp shares are owned by institutional investors. 14.4% of Pinnacle Bancshares shares are owned by company insiders. Comparatively, 8.3% of Randolph Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

Pinnacle Bancshares pays an annual dividend of $0.76 per share and has a dividend yield of 2.7%. Randolph Bancorp does not pay a dividend.

Valuation & Earnings

This table compares Pinnacle Bancshares and Randolph Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pinnacle Bancshares $9.43 million 3.15 $2.29 million N/A N/A
Randolph Bancorp $34.97 million 2.45 -$2.09 million N/A N/A

Pinnacle Bancshares has higher earnings, but lower revenue than Randolph Bancorp.

Analyst Recommendations

This is a summary of current ratings and price targets for Pinnacle Bancshares and Randolph Bancorp, as provided by MarketBeat.

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Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pinnacle Bancshares 0 0 0 0 N/A
Randolph Bancorp 0 1 0 0 2.00

Summary

Pinnacle Bancshares beats Randolph Bancorp on 6 of the 10 factors compared between the two stocks.

Pinnacle Bancshares Company Profile

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides banking products and services in Alabama. The company's deposit products include savings accounts, checking accounts, individual retirement accounts, money market deposit accounts, certificates of deposit, interest accounts, and student accounts, as well as demand and time deposits. Its loan portfolio comprises commercial real estate loans, real estate construction and development loans, residential real estate loans, and other real estate loans; commercial non-real estate loans, such as commercial, financial, agricultural, and municipal tax free loans; home mortgage loans; and consumer loans comprising installment loans, overdrafts, and other revolving credit loans, as well as automobile, recreational vehicle, boat, second and vacation home, construction, and bridge loans. The company also offers phone and online banking services; and other services, including merchant services, transfer and payment, automated clearing house, payroll direct deposit, e-statement, safe deposit box, and remote deposit services, as well as notary services. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was founded in 1935 and is based in Jasper, Alabama.

Randolph Bancorp Company Profile

Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. The company accepts checking, NOW, money market, and savings accounts, as well as certificate of deposits and IRAs. It also offers one- to four-family residential mortgage, commercial real estate, commercial and industrial, construction, and consumer loans; home equity loans and lines of credit; and investment securities. In addition, the company provides remote deposit capture products for business customers to meet their online banking needs. As of February 27, 2018, it operated six retail branch locations and loan operations centers in Andover and North Attleboro, Massachusetts; and five loan production offices in eastern Massachusetts. The company was founded in 1851 and is based in Stoughton, Massachusetts. Randolph Bancorp, Inc. is a subsidiary of Randolph Bancorp (MHC).

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