Camden National (NASDAQ: TBBK) and Bancorp (NASDAQ:TBBK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, valuation, risk, analyst recommendations, institutional ownership, earnings and profitability.

Analyst Ratings

This is a breakdown of recent ratings and price targets for Camden National and Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Camden National 0 1 1 0 2.50
Bancorp 0 2 0 1 2.67

Camden National presently has a consensus price target of $49.75, indicating a potential upside of 10.14%. Bancorp has a consensus price target of $11.00, indicating a potential upside of 14.35%. Given Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Bancorp is more favorable than Camden National.

Valuation and Earnings

This table compares Camden National and Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Camden National $174.70 million 4.03 $28.47 million $2.73 16.55
Bancorp $213.56 million 2.54 $21.67 million $0.51 18.86

Camden National has higher earnings, but lower revenue than Bancorp. Camden National is trading at a lower price-to-earnings ratio than Bancorp, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Camden National has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, Bancorp has a beta of 1.13, indicating that its stock price is 13% more volatile than the S&P 500.

Insider and Institutional Ownership

63.3% of Camden National shares are held by institutional investors. Comparatively, 79.6% of Bancorp shares are held by institutional investors. 2.0% of Camden National shares are held by company insiders. Comparatively, 11.1% of Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Camden National and Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Camden National 18.39% 11.64% 1.16%
Bancorp 6.61% 9.81% 0.75%

Dividends

Camden National pays an annual dividend of $1.20 per share and has a dividend yield of 2.7%. Bancorp does not pay a dividend. Camden National pays out 44.0% of its earnings in the form of a dividend. Camden National has raised its dividend for 5 consecutive years.

Camden National Company Profile

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.

Bancorp Company Profile

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking accounts, savings accounts, money market accounts, commercial accounts, and prepaid and debit cards. It also provides securities backed lines of credit, vehicle fleet and other equipment leasing, small business administration loans, and loans generated for sale into capital markets primarily through commercial mortgage backed securities. In addition, it offers private label banking; credit and debit card payment processing for independent service organizations; institutional banking; and Internet banking services. The Bancorp, Inc. was founded in 1999 and is based in Wilmington, Delaware.

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