First Guaranty Bancshares (FGBI) Competitors

First Guaranty Bancshares (NASDAQ:FGBI) and Yirendai (NYSE:YRD) are both small-cap banking companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, profitability, media sentiment, valuation, analyst recommendations, dividends and institutional ownership.

Do insiders & institutionals believe in FGBI or YRD?

39.5% of First Guaranty Bancshares shares are held by institutional investors. Comparatively, 2.0% of Yirendai shares are held by institutional investors. 47.2% of First Guaranty Bancshares shares are held by insiders. Comparatively, 42.2% of Yirendai shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Do analysts prefer FGBI or YRD?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Guaranty Bancshares	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Yirendai	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has better earnings & valuation, FGBI or YRD?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Guaranty Bancshares	$246.45M	0.52	$12.45M	-$1.01	-8.41
Yirendai	$6.14B	0.08	$216.77M	$2.06	2.83

Is FGBI or YRD a better dividend stock?

First Guaranty Bancshares pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. Yirendai pays an annual dividend of $0.40 per share and has a dividend yield of 6.8%. First Guaranty Bancshares pays out -4.0% of its earnings in the form of a dividend. Yirendai pays out 19.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Is FGBI or YRD more profitable?

Yirendai has a net margin of 21.07% compared to First Guaranty Bancshares' net margin of -4.49%. Yirendai's return on equity of 13.42% beat First Guaranty Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Guaranty Bancshares	-4.49%	-4.73%	-0.27%
Yirendai	21.07%	13.42%	9.73%

Does the media prefer FGBI or YRD?

In the previous week, First Guaranty Bancshares had 2 more articles in the media than Yirendai. MarketBeat recorded 3 mentions for First Guaranty Bancshares and 1 mentions for Yirendai. Yirendai's average media sentiment score of 1.00 beat First Guaranty Bancshares' score of 0.76 indicating that Yirendai is being referred to more favorably in the news media.

Company	Overall Sentiment
First Guaranty Bancshares	Positive
Yirendai	Positive

Which has more risk and volatility, FGBI or YRD?

First Guaranty Bancshares has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500. Comparatively, Yirendai has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500.

Summary

Yirendai beats First Guaranty Bancshares on 10 of the 16 factors compared between the two stocks.