Reviewing Enterprise Bancorp Inc. (EBTC)’s and PB Bancorp Inc. (NASDAQ:PBBI)’s results

Both Enterprise Bancorp Inc. (NASDAQ:EBTC) and PB Bancorp Inc. (NASDAQ:PBBI) compete on a level playing field in the Savings & Loans industry. We will evaluate their performance with regards to institutional ownership, earnings and valuation, profitability, risk, dividends, analyst recommendations.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Enterprise Bancorp Inc. 31 0.00 8.49M 2.63 11.64
PB Bancorp Inc. 14 0.00 6.26M 0.59 19.12

We can see in table 1 the earnings per share, top-line revenue and valuation of Enterprise Bancorp Inc. and PB Bancorp Inc. PB Bancorp Inc. seems to has lower revenue and earnings compared to Enterprise Bancorp Inc. The business with a lower price-to-earnings ratio is presently more affordable of the two stocks. Enterprise Bancorp Inc. has been trading at a lower price-to-earnings ratio than PB Bancorp Inc., which means that it is at the moment the more affordable of the two companies.

Profitability

Table 2 shows us Enterprise Bancorp Inc. and PB Bancorp Inc.’s return on equity, net margins and return on assets.

Net Margins Return on Equity Return on Assets
Enterprise Bancorp Inc. 27,772,325.81% 11.5% 1%
PB Bancorp Inc. 43,261,921.22% 5% 0.8%

Volatility & Risk

Enterprise Bancorp Inc. is 18.00% less volatile than Standard and Poor’s 500 because the company has a beta of 0.82. PB Bancorp Inc. on the other hand, has 0.16 beta which makes it 84.00% less volatile compared to Standard and Poor’s 500.

Institutional & Insider Ownership

Enterprise Bancorp Inc. and PB Bancorp Inc. has shares owned by institutional investors as follows: 20.9% and 36.7%. About 15% of Enterprise Bancorp Inc.’s share are owned by insiders. Competitively, PB Bancorp Inc. has 19.21% of it’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Enterprise Bancorp Inc. 6.86% -2.64% -1% -5.97% -19.44% -5.01%
PB Bancorp Inc. -1.83% -1.79% -0.97% 6.84% 7.6% 4.07%

For the past year Enterprise Bancorp Inc. had bearish trend while PB Bancorp Inc. had bullish trend.

Summary

Enterprise Bancorp Inc. beats PB Bancorp Inc. on 7 of the 11 factors.

PB Bancorp, Inc. operates as the holding company of Putnam Bank that provides various banking products and services to individuals and small business customers primarily in Connecticut. It offers a range of deposits, including checking, savings, and money market deposit accounts, as well as negotiable order of withdrawal accounts and fixed-term certificates of deposit. The companyÂ’s loan portfolio comprises residential real estate loans, including one-to four-family mortgage loans, residential construction loans, second mortgage loans, and home equity lines of credit; commercial real estate loans comprising multi-family real estate loans; commercial loans, such as term loans and revolving lines of credit; and consumer and other loans, such as loans on new and used automobiles, loans secured by deposit accounts, and unsecured personal loans. In addition, it invests in securities. As of July 7, 2016, PB Bancorp, Inc. operated through its eight full-service offices and a full-service loan center in Putnam, Connecticut. The company was founded in 1862 and is headquartered in Putnam, Connecticut.

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