SANTA CRUZ CNTY/SH SH (OTCMKTS:SCZC) and Pinnacle Bancshares (OTCMKTS:PCLB) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation and analyst recommendations.

Profitability

This table compares SANTA CRUZ CNTY/SH SH and Pinnacle Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SANTA CRUZ CNTY/SH SH 33.90% N/A N/A
Pinnacle Bancshares N/A N/A N/A

Dividends

SANTA CRUZ CNTY/SH SH pays an annual dividend of $0.30 per share and has a dividend yield of 0.6%. Pinnacle Bancshares pays an annual dividend of $0.76 per share and has a dividend yield of 2.7%.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for SANTA CRUZ CNTY/SH SH and Pinnacle Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SANTA CRUZ CNTY/SH SH 0 0 0 0 N/A
Pinnacle Bancshares 0 0 0 0 N/A

Earnings & Valuation

This table compares SANTA CRUZ CNTY/SH SH and Pinnacle Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SANTA CRUZ CNTY/SH SH $33.83 million 3.52 $11.38 million N/A N/A
Pinnacle Bancshares $9.43 million 3.10 $2.29 million N/A N/A

SANTA CRUZ CNTY/SH SH has higher revenue and earnings than Pinnacle Bancshares.

Institutional and Insider Ownership

7.6% of SANTA CRUZ CNTY/SH SH shares are held by institutional investors. Comparatively, 6.0% of Pinnacle Bancshares shares are held by institutional investors. 14.4% of Pinnacle Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk and Volatility

SANTA CRUZ CNTY/SH SH has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Pinnacle Bancshares has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500.

Summary

SANTA CRUZ CNTY/SH SH beats Pinnacle Bancshares on 6 of the 9 factors compared between the two stocks.

About SANTA CRUZ CNTY/SH SH

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses in Santa Cruz County, California. Its primary deposit products include checking, savings, and term certificate accounts. The company also offers lending products, including commercial, multi-family, agricultural, municipal, installment, business term, and SBA and USDA government guaranteed loans, as well as loans supported by single-family residential real estate, lines of credit, commercial real estate financing, and credit cards. In addition, it provides merchant, mobile banking, and remote deposit capture services, as well as online services comprising bill payment and cash management. The company operates through five full service banking offices in Aptos, Capitola, Santa Cruz, Scotts Valley, and Watsonville; and two free standing ATM and night depositories in Santa Cruz and Aptos. Santa Cruz County Bank was incorporated in 2003 and is headquartered in Santa Cruz, California.

About Pinnacle Bancshares

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides banking products and services in Alabama. The company's deposit products include savings accounts, checking accounts, individual retirement accounts, money market deposit accounts, certificates of deposit, interest accounts, and student accounts, as well as demand and time deposits. Its loan portfolio comprises commercial real estate loans, real estate construction and development loans, residential real estate loans, and other real estate loans; commercial non-real estate loans, such as commercial, financial, agricultural, and municipal tax free loans; home mortgage loans; and consumer loans comprising installment loans, overdrafts, and other revolving credit loans, as well as automobile, recreational vehicle, boat, second and vacation home, construction, and bridge loans. The company also offers phone and online banking services; and other services, including merchant services, transfer and payment, automated clearing house, payroll direct deposit, e-statement, safe deposit box, and remote deposit services, as well as notary services. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was founded in 1935 and is based in Jasper, Alabama.

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