Financial Comparison: First Northern Community Bancorp (OTCMKTS:FNRN) & CFSB Bancorp (NASDAQ:CFSB)
Financial Comparison: First Northern Community Bancorp (OTCMKTS:FNRN) & CFSB Bancorp (NASDAQ:CFSB)
First Northern Community Bancorp (OTCMKTS:FNRN – Get Rating) and CFSB Bancorp (NASDAQ:CFSB – Get Rating) 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, dividends, risk, valuation, earnings, profitability and institutional ownership.
First Northern Community Bancorp（OTCMKTS: FNRN — 獲取評級）和 CFSB Bancorp（納斯達克股票代碼：CFSB — 獲取評級）都是小盤股金融公司，但哪隻股票更好？我們將根據分析師建議的強度、股息、風險、估值、收益、盈利能力和機構所有權對比這兩家企業。
Volatility and Risk
波動性和風險
First Northern Community Bancorp has a beta of 0.43, meaning that its share price is 57% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500.
First Northern Community Bancorp的beta值爲0.43，這意味着其股價的波動性比標準普爾500指數低57％。相比之下，CFSB Bancorp的beta值爲0.2，這意味着其股價的波動性比標準普爾500指數低80％。
Profitability
盈利能力
This table compares First Northern Community Bancorp and CFSB Bancorp's net margins, return on equity and return on assets.
該表比較了First Northern Community Bancorp和CFSB Bancorp的淨利潤率、股本回報率和資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| First Northern Community Bancorp | 25.15% | 12.65% | 0.84% |
| CFSB Bancorp | N/A | 0.21% | 0.04% |
| 淨利潤 | 股本回報率 | 資產回報率 | |
| 第一北方社區銀行 | 25.15% | 12.65% | 0.84% |
| CFSB Bancorp | 不適用 | 0.21% | 0.04% |
Insider and Institutional Ownership
內部所有權和機構所有權
5.9% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 1.8% of CFSB Bancorp shares are held by institutional investors. 11.1% of First Northern Community Bancorp shares are held by insiders. Comparatively, 2.3% of CFSB Bancorp 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.
First Northern Community Bancorp的5.9％股票由機構投資者持有。相比之下，CFSB Bancorp的1.8％股票由機構投資者持有。First Northern Community Bancorp的11.1％的股票由內部人士持有。相比之下，CFSB Bancorp的2.3％股票由內部人士持有。強大的機構所有權表明大型基金經理、捐贈基金和對沖基金認爲，從長遠來看，股票的表現將優於市場。
Valuation & Earnings
估值與收益
This table compares First Northern Community Bancorp and CFSB Bancorp's top-line revenue, earnings per share (EPS) and valuation.
該表比較了First Northern Community Bancorp和CFSB Bancorp的收入、每股收益（EPS）和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Northern Community Bancorp | $62.81 million | 1.68 | $15.88 million | $1.09 | 6.59 |
| CFSB Bancorp | $11.02 million | 4.47 | N/A | N/A | N/A |
| 總收入 | 價格/銷售比率 | 淨收入 | 每股收益 | 市盈率 | |
| 第一北方社區銀行 | 6281 萬美元 | 1.68 | 1,588 萬美元 | 1.09 美元 | 6.59 |
| CFSB Bancorp | 1102 萬美元 | 4.47 | 不適用 | 不適用 | 不適用 |
First Northern Community Bancorp has higher revenue and earnings than CFSB Bancorp.
First Northern Community Bancorp的收入和收益高於CFSB Bancorp。
Analyst Recommendations
分析師建議
This is a breakdown of current ratings for First Northern Community Bancorp and CFSB Bancorp, as provided by MarketBeat.
這是MarketBeat提供的First Northern Community Bancorp和CFSB Bancorp目前的評級明細。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Northern Community Bancorp | 0 | 0 | 0 | 0 | N/A |
| CFSB Bancorp | 0 | 0 | 0 | 0 | N/A |
| 賣出評級 | 保持收視率 | 買入評級 | 強勁的買入評級 | 評分分數 | |
| 第一北方社區銀行 | 0 | 0 | 0 | 0 | 不適用 |
| CFSB Bancorp | 0 | 0 | 0 | 0 | 不適用 |
Summary
摘要
First Northern Community Bancorp beats CFSB Bancorp on 7 of the 8 factors compared between the two stocks.
First Northern Community Bancorp在兩隻股票比較的8個因素中有7個擊敗了CFSB Bancorp。
About First Northern Community Bancorp
關於第一北方社區銀行
(Get Rating)
（獲取評分）
First Northern Community Bancorp is a bank holding company, which engages in the provision of banking services to individual and corporate customers. It offers different loan category such as commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer. The company was founded in 1910 and is headquartered in Dixon, CA.
First Northern Community Bancorp是一家銀行控股公司，從事向個人和企業客戶提供銀行服務。它提供不同的貸款類別，例如商業、商業地產、農業、住宅抵押貸款、住宅建築和消費貸款。該公司成立於1910年，總部位於加利福尼亞州迪克森。
About CFSB Bancorp
關於 CFSB Bancorp
(Get Rating)
（獲取評分）
CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.
CFSB Bancorp, Inc. 專注於作爲殖民地聯邦儲蓄銀行的控股公司運營，該銀行爲個人和小型企業提供各種金融服務。它接受各種存款，包括無息支票賬戶、計息支票賬戶、貨幣市場賬戶、儲蓄賬戶和存款證。該公司還提供一至四戶住宅房地產貸款、多戶家庭房地產貸款、商業房地產貸款、二次抵押貸款、房屋淨值信貸額度和消費貸款。此外，它還投資於各種類型的投資級投資證券和流動資產，包括美國國債、各種政府贊助企業的證券、公司債務、抵押貸款支持證券、抵押貸款債務、資產支持證券、市政債務、共同基金和聯邦保險機構的存款證。此外，它還提供在線和手機銀行以及在線賬單支付服務。該公司通過位於馬薩諸塞州諾福克縣的三個提供全方位服務的銀行辦事處和一個提供有限服務的分支機構開展業務。該公司成立於 1889 年，總部位於馬薩諸塞州昆西。CFSB Bancorp, Inc. 是MHC 15 Beach的子公司運營。
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