 Frederick County Bancorp MD OTCMKTS:FCBI and HMN Financial NASDAQ:HMNF are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, profitability, dividends, analyst recommendations, risk, earnings and institutional ownership. Institutional Insider Ownership 51.1 of HMN Financial shares are owned by institutional ... 