Community Shores Bank (OTCMKTS:CSHB) and Capstar Financial (NASDAQ:CSTR) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, risk, dividends, earnings, analyst recommendations and institutional ownership.
This is a breakdown of current recommendations for Community Shores Bank and Capstar Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Shores Bank||0||0||0||0||N/A|
Insider and Institutional Ownership
33.4% of Capstar Financial shares are owned by institutional investors. 39.7% of Community Shores Bank shares are owned by company insiders. Comparatively, 13.6% of Capstar Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Volatility and Risk
Community Shores Bank has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, Capstar Financial has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.
Valuation & Earnings
This table compares Community Shores Bank and Capstar Financial’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community Shores Bank||$9.22 million||2.23||$900,000.00||N/A||N/A|
|Capstar Financial||$83.24 million||3.59||$9.65 million||$1.19||13.66|
Capstar Financial has higher revenue and earnings than Community Shores Bank.
This table compares Community Shores Bank and Capstar Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Shores Bank||N/A||N/A||N/A|
Capstar Financial beats Community Shores Bank on 9 of the 10 factors compared between the two stocks.
Community Shores Bank Company Profile
Community Shores Bank Corporation operates as the holding company for Community Shores Bank, a community bank that provides various commercial and consumer banking services primarily in the communities of Muskegon County and Northern Ottawa County, Michigan. The company offers various deposit services, including checking and savings accounts, time deposits, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises fixed rate and adjustable rates loans, construction loans and loans for condominiums; home equity loans; and construction permanent loans. The company also provides installment loans and credit lines, including automobile loans, boat loans, recreational vehicle loans, home improvement loans, personal loans, and personal lines of credit; credit cards; and business loans, such as small business lines of credit, term loans commercial real estate loans, letters of credit, and SBA loans. In addition, it offers electronic and mobile banking services; overdrafts; re-order checks, wire transfers, safe deposit boxes, notary services, ATM and one-time debit card overdraft opt-in, gift cards, and courier services; and investment products. The company serves individuals, businesses, schools, associations, churches, nonprofit organizations, financial institutions, and government authorities. Community Shores Bank Corporation was founded in 1998 and is based in Muskegon, Michigan.
Capstar Financial Company Profile
CapStar Financial Holdings, Inc. operates as the bank holding company for CapStar Bank that provides banking services to consumer and corporate customers located primarily in Tennessee, the United States. It offers a range of deposit products and services, including demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, certificates of deposit, and CDARS reciprocal products. The company also provides commercial and consumer real estate, construction and land development, commercial and industrial, consumer, and other loans. In addition, it offers private banking and wealth management services for the owners and operators of business clients and other high net worth individuals; and correspondent banking services to community banks. Further, the company provides telephone and online banking, direct deposit, mobile banking, safe deposit boxes, remote deposit, and cash management services for individuals, and small and medium sized businesses. CapStar Financial Holdings, Inc. was founded in 2007 and is headquartered in Nashville, Tennessee.
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