FirstSun Capital Bancorp (NASDAQ:FSUN – Get Free Report) and Eagle Bancorp Montana (NASDAQ:EBMT – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, risk, valuation, profitability, dividends, analyst recommendations and institutional ownership.
Insider & Institutional Ownership
35.7% of Eagle Bancorp Montana shares are owned by institutional investors. 12.5% of FirstSun Capital Bancorp shares are owned by company insiders. Comparatively, 5.8% of Eagle Bancorp Montana shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares FirstSun Capital Bancorp and Eagle Bancorp Montana”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FirstSun Capital Bancorp | $569.65 million | 3.20 | $97.94 million | $3.39 | 11.50 |
| Eagle Bancorp Montana | $127.08 million | 1.48 | $14.84 million | $1.98 | 11.94 |
FirstSun Capital Bancorp has higher revenue and earnings than Eagle Bancorp Montana. FirstSun Capital Bancorp is trading at a lower price-to-earnings ratio than Eagle Bancorp Montana, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
FirstSun Capital Bancorp has a beta of 0.31, suggesting that its stock price is 69% less volatile than the S&P 500. Comparatively, Eagle Bancorp Montana has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for FirstSun Capital Bancorp and Eagle Bancorp Montana, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FirstSun Capital Bancorp | 0 | 1 | 4 | 1 | 3.00 |
| Eagle Bancorp Montana | 0 | 3 | 0 | 1 | 2.50 |
FirstSun Capital Bancorp presently has a consensus price target of $44.75, suggesting a potential upside of 14.80%. Eagle Bancorp Montana has a consensus price target of $23.50, suggesting a potential downside of 0.59%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher probable upside, research analysts clearly believe FirstSun Capital Bancorp is more favorable than Eagle Bancorp Montana.
Profitability
This table compares FirstSun Capital Bancorp and Eagle Bancorp Montana’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FirstSun Capital Bancorp | 16.52% | 8.80% | 1.18% |
| Eagle Bancorp Montana | 12.16% | 8.29% | 0.74% |
Summary
FirstSun Capital Bancorp beats Eagle Bancorp Montana on 11 of the 14 factors compared between the two stocks.
About FirstSun Capital Bancorp
FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.
About Eagle Bancorp Montana
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.
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