Farmers And Merchants Bank of Long Beach (OTCMKTS:FMBL) versus CHESAPEAKE FINL/SH (OTCMKTS:CPKF) Critical Analysis
CHESAPEAKE FINL/SH (OTCMKTS:CPKF) and Farmers And Merchants Bank of Long Beach (OTCMKTS:FMBL) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, profitability, risk, institutional ownership and earnings.
This is a summary of current recommendations and price targets for CHESAPEAKE FINL/SH and Farmers And Merchants Bank of Long Beach, as provided 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|
Risk and Volatility
CHESAPEAKE FINL/SH has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500. Comparatively, Farmers And Merchants Bank of Long Beach has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500.
Insider & Institutional Ownership
4.6% of CHESAPEAKE FINL/SH shares are owned by institutional investors. Comparatively, 6.4% of Farmers And Merchants Bank of Long Beach shares are owned by institutional investors. 39.5% of CHESAPEAKE FINL/SH shares are owned by insiders. Comparatively, 12.8% of Farmers And Merchants Bank of Long Beach shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares CHESAPEAKE FINL/SH and Farmers And Merchants Bank of Long Beach’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CHESAPEAKE FINL/SH||$58.26 million||1.59||$11.40 million||$2.29||8.21|
|Farmers And Merchants Bank of Long Beach||$299.72 million||2.50||$56.04 million||N/A||N/A|
Farmers And Merchants Bank of Long Beach has higher revenue and earnings than CHESAPEAKE FINL/SH.
This table compares CHESAPEAKE FINL/SH and Farmers And Merchants Bank of Long Beach’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||27.00%||22.23%||2.25%|
CHESAPEAKE FINL/SH pays an annual dividend of $0.50 per share and has a dividend yield of 2.7%. Farmers And Merchants Bank of Long Beach pays an annual dividend of $108.00 per share and has a dividend yield of 1.9%. CHESAPEAKE FINL/SH pays out 21.8% of its earnings in the form of a dividend.
Farmers And Merchants Bank of Long Beach beats CHESAPEAKE FINL/SH on 9 of the 12 factors compared between the two stocks.
CHESAPEAKE FINL/SH Company Profile
Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for corporate and individual clients in Virginia. It operates through Commercial, Commercial – Real Estate, Consumer – Non Real Estate, and Residential – Real Estate segments. The company offers interest and noninterest checking, savings, and money market accounts, as well as certificates of deposit. It also provides mortgage loans, single-family residential and residential construction loans, lines of credit, and consumer loans; and commercial loans, including owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans. In addition, the company offers merchant processing services, accounts receivable financing, wealth management and trust, and cash management services. It operates through 15 branches, including 4 in Northern Neck, 3 in Middle Peninsula, 5 in Williamsburg, and 3 in Richmond. The company was founded in 1900 and is based in Kilmarnock, Virginia.
Farmers And Merchants Bank of Long Beach Company Profile
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.
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