Reviewing AMB Financial (OTCMKTS:AMFC) & First Seacoast Bancorp (NASDAQ:FSEA)

Institutional and Insider Ownership

38.4% of First Seacoast Bancorp shares are owned by institutional investors. Comparatively, 1.2% of AMB Financial shares are owned by institutional investors. 4.7% of First Seacoast Bancorp shares are owned by company insiders. Comparatively, 37.7% of AMB Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares First Seacoast Bancorp and AMB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Seacoast Bancorp	-35.93%	-13.41%	-1.49%
AMB Financial	N/A	N/A	N/A

Earnings & Valuation

This table compares First Seacoast Bancorp and AMB Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Seacoast Bancorp	$18.58 million	2.73	-$10.66 million	($1.89)	-5.71
AMB Financial	$18.97 million	0.96	$2.19 million	N/A	N/A

AMB Financial has higher revenue and earnings than First Seacoast Bancorp.

Risk & Volatility

First Seacoast Bancorp has a beta of 0.42, indicating that its stock price is 58% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500.

Summary

AMB Financial beats First Seacoast Bancorp on 6 of the 9 factors compared between the two stocks.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.