Analyzing Mission Valley Bancorp (OTCMKTS:MVLY) and BANCORP 34 (OTCMKTS:BCTF)

Volatility & Risk

Mission Valley Bancorp has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, BANCORP 34 has a beta of 0.24, suggesting that its share price is 76% less volatile than the S&P 500.

Valuation & Earnings

This table compares Mission Valley Bancorp and BANCORP 34″s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mission Valley Bancorp	N/A	N/A	$6.20 million	$1.60	9.63
BANCORP 34	$56.34 million	1.45	$1.69 million	$0.86	14.24

Mission Valley Bancorp has higher earnings, but lower revenue than BANCORP 34. Mission Valley Bancorp is trading at a lower price-to-earnings ratio than BANCORP 34, indicating that it is currently the more affordable of the two stocks.

Dividends

Mission Valley Bancorp pays an annual dividend of $0.15 per share and has a dividend yield of 1.0%. BANCORP 34 pays an annual dividend of $0.28 per share and has a dividend yield of 2.3%. Mission Valley Bancorp pays out 9.4% of its earnings in the form of a dividend. BANCORP 34 pays out 32.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Insider & Institutional Ownership

5.7% of Mission Valley Bancorp shares are owned by institutional investors. Comparatively, 6.5% of BANCORP 34 shares are owned by institutional investors. 7.4% of BANCORP 34 shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Mission Valley Bancorp and BANCORP 34’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
BANCORP 34	11.27%	4.26%	0.40%

Summary

BANCORP 34 beats Mission Valley Bancorp on 8 of the 12 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, savings, and time deposits; and certificates of deposit. It also offers accounts receivable loans, advanced restaurant financing loans, commercial loans, real estate loans, small business administration loans, and term loans; consumer 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 to other financial institutions. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.

About BANCORP 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; multi-family finance; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; treasury management products; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.