Farmers And Merchants Bank of Long Beach (OTCMKTS:FMBL) and Camden National (NASDAQ:CAC) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, risk, valuation, profitability, analyst recommendations, institutional ownership and dividends.
Institutional and Insider Ownership
5.7% of Farmers And Merchants Bank of Long Beach shares are held by institutional investors. Comparatively, 66.8% of Camden National shares are held by institutional investors. 12.8% of Farmers And Merchants Bank of Long Beach shares are held by company insiders. Comparatively, 2.0% of Camden National shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
This table compares Farmers And Merchants Bank of Long Beach and Camden National’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Farmers And Merchants Bank of Long Beach||29.79%||27.88%||2.75%|
This is a breakdown of current ratings and target prices for Farmers And Merchants Bank of Long Beach and Camden National, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Farmers And Merchants Bank of Long Beach||0||0||0||0||N/A|
Camden National has a consensus target price of $51.50, suggesting a potential upside of 19.05%. Given Camden National’s higher possible upside, analysts plainly believe Camden National is more favorable than Farmers And Merchants Bank of Long Beach.
Earnings & Valuation
This table compares Farmers And Merchants Bank of Long Beach and Camden National’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Farmers And Merchants Bank of Long Beach||$279.16 million||3.77||$85.64 million||N/A||N/A|
|Camden National||$189.55 million||3.56||$53.07 million||$3.39||12.76|
Farmers And Merchants Bank of Long Beach has higher revenue and earnings than Camden National.
Farmers And Merchants Bank of Long Beach pays an annual dividend of $108.00 per share and has a dividend yield of 1.3%. Camden National pays an annual dividend of $1.20 per share and has a dividend yield of 2.8%. Camden National pays out 35.4% of its earnings in the form of a dividend. Camden National has increased its dividend for 6 consecutive years. Camden National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Risk and Volatility
Farmers And Merchants Bank of Long Beach has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500. Comparatively, Camden National has a beta of 0.8, suggesting that its stock price is 20% less volatile than the S&P 500.
Farmers And Merchants Bank of Long Beach beats Camden National on 8 of the 15 factors compared between the two stocks.
About Farmers And Merchants Bank of Long Beach
Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses in California. The company's products and services include demand and time deposits; commercial real estate, construction, and commercial business loans; and financing for residential loans comprising single-family and multifamily loans. Its personal banking products and services include checking, savings, Christmas club, health savings, money market, and CD accounts; retirement plans, online and mobile banking, and other services; and credit and loans, such as credit cards, home loans, and escrow services. The company's business banking products and services comprise banking services, business checking, money market accounts, retirement plans, business savings, CDs, online banking, mobile banking, merchant services, payroll services, deposit lockbox, remote deposit capture, and other services; and credit and loans, including business credit cards, small business loans, commercial loans, real estate and construction loans, and lines of credit. As of December 31, 2017, it operated 24 branches in Los Angeles County and Orange County. The company was founded in 1907 and is headquartered in Long Beach, California. Farmers & Merchants Bank of Long Beach is a subsidiary of Palomar Enterprises, LLC.
About Camden National
Camden National Corporation operates as the holding company for Camden National Bank that provides commercial and consumer banking products and services to consumer, institutional, municipal, non-profit, and commercial customers. It offers various deposit products, including demand, checking, saving, and money market accounts; and time deposits. The company also originates single family and multi-family residential loans, commercial real estate loans, municipal loans, and various consumer loans, as well as loans for the construction of residential homes, multi-family properties, and commercial real estate properties; and commercial lending to the small business medical field, including dentists, optometrists, and veterinarians. As of January 30, 2018, it operated a network of 60 banking centers, 76 ATMs, and lending offices in New Hampshire and Massachusetts. In addition, the company provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, Camden National Corporation offers a range of investment management, financial planning, fiduciary, asset management, and wealth management services, as well as serves as trustee. The company was founded in 1875 and is headquartered in Camden, Maine.
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