Logansport Financial (OTCMKTS:LOGN) and 1st Constitution Bancorp (NASDAQ:FCCY) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, earnings, institutional ownership, valuation, dividends and risk.
Logansport Financial pays an annual dividend of $1.60 per share and has a dividend yield of 3.4%. 1st Constitution Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Logansport Financial pays out 30.1% of its earnings in the form of a dividend. 1st Constitution Bancorp pays out 19.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. 1st Constitution Bancorp has raised its dividend for 2 consecutive years.
Logansport Financial has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, 1st Constitution Bancorp has a beta of 0.66, indicating that its stock price is 34% less volatile than the S&P 500.
This table compares Logansport Financial and 1st Constitution Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|1st Constitution Bancorp||25.90%||11.68%||1.24%|
This is a summary of current recommendations for Logansport Financial and 1st Constitution Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|1st Constitution Bancorp||0||0||0||0||N/A|
Insider and Institutional Ownership
36.0% of 1st Constitution Bancorp shares are held by institutional investors. 17.4% of Logansport Financial shares are held by insiders. Comparatively, 13.1% of 1st Constitution Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Logansport Financial and 1st Constitution Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Logansport Financial||$11.68 million||2.45||$3.91 million||$5.32||8.87|
|1st Constitution Bancorp||$83.79 million||3.11||$18.09 million||$2.10||12.03|
1st Constitution Bancorp has higher revenue and earnings than Logansport Financial. Logansport Financial is trading at a lower price-to-earnings ratio than 1st Constitution Bancorp, indicating that it is currently the more affordable of the two stocks.
1st Constitution Bancorp beats Logansport Financial on 10 of the 14 factors compared between the two stocks.
About Logansport Financial
Logansport Financial Corp. operates as a bank holding company for Logansport Savings Bank. It provides banking and financial services to individual and corporate customers. It offers services under the following categories: Personal Banking, Personal Lending and Business Banking. The company was founded in 1925 and is headquartered in Logansport, IN.
About 1st Constitution Bancorp
1st Constitution Bancorp is a bank holding company, which through its subsidiary, engages in the provision of commercial and retail banking. It offers demand, savings and time deposits, and commercial and consumer or instalment loans. The company was founded in February 1999 and is headquartered in Cranbury, NJ.
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