CB Financial Services (NASDAQ:CBFV) & Albina Community Bancorp (OTCMKTS:ACBCQ) Head-To-Head Analysis

CB Financial Services (NASDAQ:CBFV) and Albina Community Bancorp (OTCMKTS:ACBCQ) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, risk, earnings, profitability, analyst recommendations, dividends and valuation.

Insider and Institutional Ownership

33.1% of CB Financial Services shares are held by institutional investors. 9.4% of CB Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares CB Financial Services and Albina Community Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CB Financial Services	$39.89 million	3.60	$22.55 million	$4.40	6.35
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A

CB Financial Services has higher revenue and earnings than Albina Community Bancorp.

Analyst Recommendations

This is a summary of recent ratings for CB Financial Services and Albina Community Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CB Financial Services	0	3	0	0	2.00
Albina Community Bancorp	0	0	0	0	N/A

CB Financial Services presently has a consensus target price of $24.67, suggesting a potential downside of 11.75%. Given CB Financial Services’ higher probable upside, analysts plainly believe CB Financial Services is more favorable than Albina Community Bancorp.

Risk and Volatility

CB Financial Services has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, Albina Community Bancorp has a beta of 3.19, indicating that its share price is 219% more volatile than the S&P 500.

Profitability

This table compares CB Financial Services and Albina Community Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CB Financial Services	24.64%	8.61%	0.79%
Albina Community Bancorp	N/A	N/A	N/A

Summary

CB Financial Services beats Albina Community Bancorp on 7 of the 8 factors compared between the two stocks.

About CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

About Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.