Comparing Dime Community Bancshares (NASDAQ:DCOM) & Cortland Bancorp (NASDAQ:CLDB)

Cortland Bancorp (OTCMKTS:CLDB) and Dime Community Bancshares (NASDAQ:DCOM) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, analyst recommendations, earnings, institutional ownership and profitability.

Insider and Institutional Ownership

1.6% of Cortland Bancorp shares are owned by institutional investors. Comparatively, 73.5% of Dime Community Bancshares shares are owned by institutional investors. 9.5% of Cortland Bancorp shares are owned by company insiders. Comparatively, 7.8% of Dime Community Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk and Volatility

Cortland Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Dime Community Bancshares has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500.

Dividends

Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.9%. Dime Community Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 3.0%. Dime Community Bancshares pays out 41.5% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of current ratings and recommmendations for Cortland Bancorp and Dime Community Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cortland Bancorp 0 0 0 0 N/A
Dime Community Bancshares 1 1 0 0 1.50

Dime Community Bancshares has a consensus price target of $18.50, suggesting a potential downside of 1.80%. Given Dime Community Bancshares’ higher possible upside, analysts plainly believe Dime Community Bancshares is more favorable than Cortland Bancorp.

Profitability

This table compares Cortland Bancorp and Dime Community Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cortland Bancorp 26.40% 14.41% 1.32%
Dime Community Bancshares 20.62% 7.87% 0.75%

Valuation and Earnings

This table compares Cortland Bancorp and Dime Community Bancshares’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Cortland Bancorp $33.46 million 2.97 $8.84 million N/A N/A
Dime Community Bancshares $231.23 million 2.92 $51.29 million $1.35 13.96

Dime Community Bancshares has higher revenue and earnings than Cortland Bancorp.

Summary

Dime Community Bancshares beats Cortland Bancorp on 7 of the 13 factors compared between the two stocks.

Cortland Bancorp Company Profile

Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.

Dime Community Bancshares Company Profile

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides commercial banking and financial services in New York. It offers deposit products, such as savings, money market, and interest bearing and non-interest bearing checking accounts, as well as certificates of deposit. The company also offers multifamily residential and commercial real estate loans; commercial and industrial loans, such as lines of credit, revolving lines of credit, and term loans; one-to-four family residential and condominium/cooperative apartment loans; home equity and home improvement loans; equity lines of credit on multifamily residential and commercial real estate loans; acquisition, land development, and construction loans; small business administration loans; finance loans and leases; and consumer loans. In addition, it manages and owns real estate; sells non-Federal Deposit Insurance Corporation insured investment products; and invests in multifamily residential and commercial real estate loans. As of December 31, 2018, the company operated 29 full-service retail banking offices located throughout Brooklyn, Queens, the Bronx, Nassau County, and Suffolk County, New York. Dime Community Bancshares, Inc. was founded in 1864 and is headquartered in Brooklyn, New York.

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