First Mid Bancshares (NASDAQ:FMBH) vs. FVCBankcorp (NASDAQ:FVCB) Critical Survey

First Mid Bancshares (NASDAQ:FMBHGet Free Report) and FVCBankcorp (NASDAQ:FVCBGet Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, profitability, valuation and risk.

Risk & Volatility

First Mid Bancshares has a beta of 0.87, meaning that its stock price is 13% less volatile than the S&P 500. Comparatively, FVCBankcorp has a beta of 0.23, meaning that its stock price is 77% less volatile than the S&P 500.

Profitability

This table compares First Mid Bancshares and FVCBankcorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Mid Bancshares 17.01% 10.56% 1.06%
FVCBankcorp 4.55% 7.39% 0.69%

Insider and Institutional Ownership

47.6% of First Mid Bancshares shares are owned by institutional investors. Comparatively, 43.6% of FVCBankcorp shares are owned by institutional investors. 7.7% of First Mid Bancshares shares are owned by insiders. Comparatively, 14.0% of FVCBankcorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares First Mid Bancshares and FVCBankcorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Mid Bancshares $386.95 million 2.00 $68.93 million $3.10 10.46
FVCBankcorp $93.25 million 2.20 $3.82 million $0.24 47.50

First Mid Bancshares has higher revenue and earnings than FVCBankcorp. First Mid Bancshares is trading at a lower price-to-earnings ratio than FVCBankcorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current ratings and price targets for First Mid Bancshares and FVCBankcorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Mid Bancshares 0 0 4 0 3.00
FVCBankcorp 0 0 1 0 3.00

First Mid Bancshares currently has a consensus price target of $37.00, indicating a potential upside of 14.37%. FVCBankcorp has a consensus price target of $14.00, indicating a potential upside of 22.81%. Given FVCBankcorp’s higher possible upside, analysts clearly believe FVCBankcorp is more favorable than First Mid Bancshares.

Summary

First Mid Bancshares beats FVCBankcorp on 9 of the 13 factors compared between the two stocks.

About First Mid Bancshares

(Get Free Report)

First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits. The company's loan products include commercial real estate, commercial and industrial, agricultural and agricultural real estate, residential real estate, and consumer loans, as well as construction and land development, 1-4 family residential properties, and multifamily residential properties loans; and other loans comprising loans to municipalities to support community projects, such as infrastructure improvements or equipment purchases. It also offers wealth management services, which include estate planning, investment, and farm management and brokerage services for individuals; employee benefit services for businesses; and farm management and brokerage services. In addition, the company provides property and casualty, senior insurance products, and group medical insurance for businesses; and personal lines insurance to individuals. The company was formerly known as First Mid-Illinois Bancshares, Inc. and changed its name to First Mid Bancshares, Inc. in April 2019. First Mid Bancshares, Inc. was founded in 1865 and is headquartered in Mattoon, Illinois.

About FVCBankcorp

(Get Free Report)

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.

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