Jeffersonville Bancorp (OTCMKTS:JFBC – Get Free Report) and U.S. Bancorp (NYSE:USB – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, earnings, analyst recommendations, valuation and profitability.
Profitability
This table compares Jeffersonville Bancorp and U.S. Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Jeffersonville Bancorp | N/A | 16.91% | 1.68% |
| U.S. Bancorp | 13.36% | 14.89% | 1.04% |
Analyst Ratings
This is a summary of recent ratings and recommmendations for Jeffersonville Bancorp and U.S. Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Jeffersonville Bancorp | 0 | 0 | 0 | 0 | N/A |
| U.S. Bancorp | 0 | 12 | 8 | 0 | 2.40 |
U.S. Bancorp has a consensus price target of $45.35, indicating a potential upside of 10.17%. Given U.S. Bancorp’s higher possible upside, analysts plainly believe U.S. Bancorp is more favorable than Jeffersonville Bancorp.
Dividends
Jeffersonville Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.5%. U.S. Bancorp pays an annual dividend of $1.96 per share and has a dividend yield of 4.8%. Jeffersonville Bancorp pays out 22.7% of its earnings in the form of a dividend. U.S. Bancorp pays out 59.8% 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. U.S. Bancorp has raised its dividend for 13 consecutive years. U.S. Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Insider & Institutional Ownership
75.4% of U.S. Bancorp shares are owned by institutional investors. 8.4% of Jeffersonville Bancorp shares are owned by insiders. Comparatively, 0.2% of U.S. Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Jeffersonville Bancorp and U.S. Bancorp’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Jeffersonville Bancorp | $27.45 million | N/A | $11.18 million | $2.64 | 6.46 |
| U.S. Bancorp | $40.62 billion | 1.58 | $5.43 billion | $3.28 | 12.55 |
U.S. Bancorp has higher revenue and earnings than Jeffersonville Bancorp. Jeffersonville Bancorp is trading at a lower price-to-earnings ratio than U.S. Bancorp, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Jeffersonville Bancorp has a beta of 0.37, suggesting that its stock price is 63% less volatile than the S&P 500. Comparatively, U.S. Bancorp has a beta of 1.04, suggesting that its stock price is 4% more volatile than the S&P 500.
Summary
U.S. Bancorp beats Jeffersonville Bancorp on 11 of the 15 factors compared between the two stocks.
About Jeffersonville Bancorp
Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, and NOW, as well as demand and time deposits. It also offers commercial mortgage, farmland, construction, real estate, agricultural, residential mortgage, home equity, installment, debt restructures, and other consumer loans. The company was founded in 1913 and is based in Jeffersonville, New York.
About U.S. Bancorp
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. In addition, it provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. Further, the company offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. Additionally, it provides investment and insurance products to its customers principally within its markets, as well as fund administration services to mutual and other funds. Furthermore, the company provides corporate and purchasing card, and corporate trust services. The company offers merchant processing, investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.
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Source: defenseworld.net
