First Community Financial Partners (NASDAQ: FCFP) and Marlin Business Services (NASDAQ:MRLN) are both financials companies, but which is the better business? We will compare the two companies based on the strength of their dividends, profitability, valuation, institutional ownership, risk, earnings and analyst recommendations.
Marlin Business Services pays an annual dividend of $0.56 per share and has a dividend yield of 2.1%. First Community Financial Partners does not pay a dividend. Marlin Business Services pays out 27.9% of its earnings in the form of a dividend.
This table compares First Community Financial Partners and Marlin Business Services’ revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Community Financial Partners||N/A||N/A||N/A||$0.70||N/A|
|Marlin Business Services||$119.05 million||2.82||$25.29 million||$2.01||13.41|
Marlin Business Services has higher revenue and earnings than First Community Financial Partners. First Community Financial Partners is trading at a lower price-to-earnings ratio than Marlin Business Services, indicating that it is currently the more affordable of the two stocks.
This table compares First Community Financial Partners and Marlin Business Services’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Community Financial Partners||29.40%||11.65%||1.05%|
|Marlin Business Services||22.74%||11.48%||1.92%|
Insider & Institutional Ownership
18.0% of First Community Financial Partners shares are held by institutional investors. Comparatively, 79.5% of Marlin Business Services shares are held by institutional investors. 24.6% of First Community Financial Partners shares are held by insiders. Comparatively, 6.9% of Marlin Business Services shares are held 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.
This is a summary of recent ratings and recommmendations for First Community Financial Partners and Marlin Business Services, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Community Financial Partners||0||0||0||0||N/A|
|Marlin Business Services||0||0||2||0||3.00|
Marlin Business Services has a consensus target price of $29.00, suggesting a potential upside of 7.61%.
Marlin Business Services beats First Community Financial Partners on 6 of the 11 factors compared between the two stocks.
About First Community Financial Partners
First Community Financial Partners, Inc. (First Community) is a bank holding company. The Company has a banking subsidiary, First Community Financial Bank (the Bank). The Bank is a full-service community bank principally engaged in the business of commercial, family and personal banking. The Bank offers customers a range of loan, deposit, and other financial products and services. The Bank also offers customers a range of financial products and services that are related or ancillary to loans and deposits, including cash management, funds transfers, bill payment and other online banking transactions, automated teller machines and safe deposit boxes. The Bank’s loan portfolio consists primarily of non-residential real estate loans, which include owner occupied commercial real estate and investor commercial real estate, multi-family, construction and land development loans.
About Marlin Business Services
Marlin Business Services Corp. is a bank holding company and a financial holding company. The Company is a provider of credit products and services to small businesses. The Company provides products and services to its customers, which include loans and leases for the acquisition of commercial equipment, working capital loans, and insurance products. The Company accesses its end user customers primarily through origination sources consisting of independent commercial equipment dealers, various national account programs, through direct solicitation of its end user customers, and through relationships with select lease and loan brokers. The Company uses both a telephonic direct sales model and, for strategic larger accounts, outside sales executives to market to its origination sources and end user customers. Through these origination sources, the Company accesses end user customers while also helping its origination sources obtain financing for their customers.
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