Comparison between Republic First Bancorp (NASDAQ:FRBK) and FB Financial (NYSE:FBK)


FB Financial (NYSE:FBK – Get Rating) and Republic First Bancorp (NASDAQ:FRBK – Get Rating) are both small cap finance companies, but which company is better? We will compare the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, risk, dividends, valuation and profitability.

Analyst Notes

This is a summary of recent ratings and target prices for FB Financial and Republic First Bancorp, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
FB Financial 0 0 4 0 3.00
Republic First Bancorp 0 0 0 0 N / A

FB Financial currently has a consensus price target of $49.00, indicating a potential upside of 29.25%. Given FB Financial’s likely higher upside, analysts clearly believe that FB Financial is more favorable than Republic First Bancorp.

Institutional and insider ownership

63.6% of FB Financial shares are held by institutional investors. By comparison, 82.8% of Republic First Bancorp’s shares are held by institutional investors. 1.9% of FB Financial shares are held by insiders. By comparison, 14.4% of Republic First Bancorp’s shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Risk and Volatility

FB Financial has a beta of 1.07, meaning its stock price is 7% more volatile than the S&P 500. In contrast, Republic First Bancorp has a beta of 1.08, meaning its stock price is 8 % more volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity, and return on assets of FB Financial and Republic First Bancorp.

Net margins Return on equity return on assets
FB Financial 29.35% 11.66% 1.33%
Republic First Bancorp 13.94% 7.93% 0.47%

Valuation and benefits

This chart compares revenue, earnings per share (EPS), and valuation of FB Financial and Republic First Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
FB Financial $613.25 million 2.94 $190.29 million $3.60 10.53
Republic First Bancorp $180.55 million 1.32 $25.18 million $0.33 12.12

FB Financial has higher revenue and profit than Republic First Bancorp. FB Financial trades at a lower price-to-earnings ratio than Republic First Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

FB Financial beats Republic First Bancorp on 9 out of 13 factors compared between the two stocks.

About FB Financial (Get a rating)

FB Financial Corporation operates as a bank holding company for FirstBank which provides a suite of commercial and consumer banking services to businesses, professionals and individuals. The Company operates in two segments, banking and mortgage. It offers checking, demand, money market and savings accounts; corporate, business and consumer deposit and lending products and services; and term deposits and certificates of deposits, as well as mortgage loan origination activities. The Company also offers commercial real estate, 1-4 family residential real estate, multi-family residential, commercial and industrial, construction, land acquisition, residential lines of credit and land development loans; and consumer and other loans, such as loans for cars, boats and other recreational vehicles, as well as manufactured homes without real estate and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch networks in the southeastern United States; an Internet distribution channel; and trust, insurance and investment services, as well as online and mobile banking. As of December 31, 2021, it operated 82 full-service bank branches and 9 limited-service branches in Tennessee, northern Alabama, southern Kentucky, and northern Georgia; and 23 mortgage offices throughout the Southeastern United States. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.

About Republic First Bancorp (Get a rating)

Republic First Bancorp LogoRepublic First Bancorp, Inc. operates as the holding company of Republic First Bank which provides a range of credit and deposit banking products and services to individuals and businesses. It accepts consumer and business deposit accounts, checks, interest-bearing demand accounts, money market accounts, savings accounts, sweepstakes accounts, and individual retirement accounts, as well as certificates of deposit. The Company also offers secured and unsecured commercial, real estate, construction and land development, automobile and home improvement loans; mortgages, home equity and short lines of credit, and other products; and safe deposit box services. As of April 5, 2022, it operated 34 offices located in Atlantic, Burlington, Camden, and Gloucester counties in New Jersey; Bucks, Delaware, Montgomery, and Philadelphia counties in Pennsylvania; and New York County in New York. Republic First Bancorp, Inc. was founded in 1987 and is based in Philadelphia, Pennsylvania.



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