Mission Valley Bancorp (OTCMKTS:MVLY – Get Free Report) and Unity Bancorp (NASDAQ:UNTY – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.
Insider & Institutional Ownership
5.7% of Mission Valley Bancorp shares are held by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are held by institutional investors. 28.9% of Unity Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Mission Valley Bancorp and Unity Bancorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Mission Valley Bancorp | N/A | N/A | N/A |
Unity Bancorp | 24.92% | 15.44% | 1.52% |
Valuation and Earnings
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Mission Valley Bancorp | N/A | N/A | $7.40 million | $2.22 | 6.08 |
Unity Bancorp | $151.64 million | 1.84 | $39.71 million | $3.81 | 7.22 |
Unity Bancorp has higher revenue and earnings than Mission Valley Bancorp. Mission Valley Bancorp is trading at a lower price-to-earnings ratio than Unity Bancorp, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of recent recommendations and price targets for Mission Valley Bancorp and Unity Bancorp, as reported by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Mission Valley Bancorp | 0 | 0 | 0 | 0 | N/A |
Unity Bancorp | 0 | 0 | 0 | 0 | N/A |
Risk & Volatility
Mission Valley Bancorp has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 1.07, indicating that its stock price is 7% more volatile than the S&P 500.
Summary
Unity Bancorp beats Mission Valley Bancorp on 10 of the 10 factors compared between the two stocks.
About Mission Valley Bancorp
Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. The company's deposit products include non-interest-bearing and interest-bearing demand deposits, and time deposits; and money market, savings accounts, as well as certificates of deposit. It also offers personal loans; accounts receivable; advanced restaurant financing; commercial loan, real estate loan, small business administration, term loans; and overdraft facilities; as well as credit and debit cards. In addition, the company provides lending services, such as underwriting, processing, closing, servicing, and referral/replacement services. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.
About Unity Bancorp
Unity Bancorp, Inc. operates as a bank holding company for Unity Bank that provides range of commercial and retail banking services to individuals, small and medium sized businesses, and professional communities. It offers personal and business checking accounts, time deposits, money market accounts, savings accounts, and retirement accounts, as well as noninterest and interest-bearing demand deposits. The company also provides small business administration loans; commercial loans; and residential mortgage and consumer loans, including residential real estate, home equity lines and loans, and residential construction lines, as well as personal loans. In addition, it offers credit and debit cards, wire transfer, safe deposit box, automated teller, and internet and mobile banking services; and automated clearing house origination and remote deposit capture services. Unity Bancorp, Inc. was incorporated in 1991 and is headquartered in Clinton, New Jersey.
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