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 — 获取评级）和 CFSB Bancorp（纳斯达克股票代码：CFSB — 获取评级）都是小盘股金融公司，但哪只股票更好？我们将根据分析师建议的强度、股息、风险、估值、收益、盈利能力和机构所有权对比这两家企业。
Volatility and Risk
波动性和风险
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值为0.43，这意味着其股价的波动性比标准普尔500指数低57％。相比之下，CFSB Bancorp的beta值为0.2，这意味着其股价的波动性比标准普尔500指数低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.
该表比较了First Northern Community Bancorp和CFSB Bancorp的净利润率、股本回报率和资产回报率。
| 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% |
| 净利润 | 股本回报率 | 资产回报率 | |
| 第一北方社区银行 | 25.15% | 12.65% | 0.84% |
| CFSB Bancorp | 不适用 | 0.21% | 0.04% |
Insider and Institutional Ownership
内部所有权和机构所有权
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％股票由机构投资者持有。相比之下，CFSB Bancorp的1.8％股票由机构投资者持有。First Northern Community Bancorp的11.1％的股票由内部人士持有。相比之下，CFSB Bancorp的2.3％股票由内部人士持有。强大的机构所有权表明大型基金经理、捐赠基金和对冲基金认为，从长远来看，股票的表现将优于市场。
Valuation & Earnings
估值与收益
This table compares First Northern Community Bancorp and CFSB Bancorp's top-line revenue, earnings per share (EPS) and valuation.
该表比较了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 |
| 总收入 | 价格/销售比率 | 净收入 | 每股收益 | 市盈率 | |
| 第一北方社区银行 | 6281 万美元 | 1.68 | 1,588 万美元 | 1.09 美元 | 6.59 |
| CFSB Bancorp | 1102 万美元 | 4.47 | 不适用 | 不适用 | 不适用 |
First Northern Community Bancorp has higher revenue and earnings than CFSB Bancorp.
First Northern Community Bancorp的收入和收益高于CFSB Bancorp。
Analyst Recommendations
分析师建议
This is a breakdown of current ratings for First Northern Community Bancorp and CFSB Bancorp, as provided by MarketBeat.
这是MarketBeat提供的First Northern Community Bancorp和CFSB Bancorp目前的评级明细。
| 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 |
| 卖出评级 | 保持收视率 | 买入评级 | 强劲的买入评级 | 评分分数 | |
| 第一北方社区银行 | 0 | 0 | 0 | 0 | 不适用 |
| CFSB Bancorp | 0 | 0 | 0 | 0 | 不适用 |
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在两只股票比较的8个因素中有7个击败了CFSB Bancorp。
About First Northern Community Bancorp
关于第一北方社区银行
(Get Rating)
（获取评分）
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是一家银行控股公司，从事向个人和企业客户提供银行服务。它提供不同的贷款类别，例如商业、商业地产、农业、住宅抵押贷款、住宅建筑和消费贷款。该公司成立于1910年，总部位于加利福尼亚州迪克森。
About CFSB Bancorp
关于 CFSB Bancorp
(Get Rating)
（获取评分）
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. 专注于作为殖民地联邦储蓄银行的控股公司运营，该银行为个人和小型企业提供各种金融服务。它接受各种存款，包括无息支票账户、计息支票账户、货币市场账户、储蓄账户和存款证。该公司还提供一至四户住宅房地产贷款、多户家庭房地产贷款、商业房地产贷款、二次抵押贷款、房屋净值信贷额度和消费贷款。此外，它还投资于各种类型的投资级投资证券和流动资产，包括美国国债、各种政府赞助企业的证券、公司债务、抵押贷款支持证券、抵押贷款债务、资产支持证券、市政债务、共同基金和联邦保险机构的存款证。此外，它还提供在线和手机银行以及在线账单支付服务。该公司通过位于马萨诸塞州诺福克县的三个提供全方位服务的银行办事处和一个提供有限服务的分支机构开展业务。该公司成立于 1889 年，总部位于马萨诸塞州昆西。CFSB Bancorp, Inc. 是MHC 15 Beach的子公司运营。
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