First Bank (FRBA) Competitors

First Bank (NASDAQ:FRBA) and Central Valley Community Bancorp (NASDAQ:CVCY) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, dividends, media sentiment, profitability, institutional ownership, community ranking, analyst recommendations and risk.

Is FRBA or CVCY a better dividend stock?

First Bank pays an annual dividend of $0.24 per share and has a dividend yield of 1.9%. Central Valley Community Bancorp pays an annual dividend of $0.48 per share. First Bank pays out 24.2% of its earnings in the form of a dividend. Central Valley Community Bancorp pays out 22.1% 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.

Does the MarketBeat Community favor FRBA or CVCY?

First Bank received 8 more outperform votes than Central Valley Community Bancorp when rated by MarketBeat users. Likewise, 63.45% of users gave First Bank an outperform vote while only 57.18% of users gave Central Valley Community Bancorp an outperform vote.

Company	Underperform	Outperform
First Bank	Outperform Votes 243 63.45%	Underperform Votes 140 36.55%
Central Valley Community Bancorp	Outperform Votes 235 57.18%	Underperform Votes 176 42.82%

Does the media favor FRBA or CVCY?

In the previous week, First Bank had 4 more articles in the media than Central Valley Community Bancorp. MarketBeat recorded 7 mentions for First Bank and 3 mentions for Central Valley Community Bancorp. Central Valley Community Bancorp's average media sentiment score of 0.12 beat First Bank's score of 0.02 indicating that Central Valley Community Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Bank	0 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Central Valley Community Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is FRBA or CVCY more profitable?

Central Valley Community Bancorp has a net margin of 23.39% compared to First Bank's net margin of 12.06%. Central Valley Community Bancorp's return on equity of 13.47% beat First Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Bank	12.06%	11.21%	1.15%
Central Valley Community Bancorp	23.39%	13.47%	1.04%

Which has preferable earnings & valuation, FRBA or CVCY?

Central Valley Community Bancorp has lower revenue, but higher earnings than First Bank. Central Valley Community Bancorp is trading at a lower price-to-earnings ratio than First Bank, 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 Bank	$173.30M	1.41	$20.90M	$0.99	12.65
Central Valley Community Bancorp	$109.44M	0.00	$25.54M	$2.17	N/A

Do insiders & institutionals believe in FRBA or CVCY?

64.9% of First Bank shares are held by institutional investors. Comparatively, 50.2% of Central Valley Community Bancorp shares are held by institutional investors. 15.9% of Central Valley Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Do analysts rate FRBA or CVCY?

First Bank presently has a consensus target price of $14.00, suggesting a potential upside of 11.82%. Central Valley Community Bancorp has a consensus target price of $20.33, suggesting a potential upside of ∞. Given Central Valley Community Bancorp's higher possible upside, analysts clearly believe Central Valley Community Bancorp is more favorable than First Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Bank	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Central Valley Community Bancorp	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

Which has more risk and volatility, FRBA or CVCY?

First Bank has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500. Comparatively, Central Valley Community Bancorp has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500.

Summary

First Bank beats Central Valley Community Bancorp on 10 of the 19 factors compared between the two stocks.