CA BANCORP/SH (OTCMKTS:CALB) and Norwood Financial (NASDAQ:NWFL) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, earnings, dividends, profitability, valuation and risk.
Risk and Volatility
CA BANCORP/SH has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500. Comparatively, Norwood Financial has a beta of 0.38, indicating that its stock price is 62% less volatile than the S&P 500.
This is a breakdown of recent recommendations and price targets for CA BANCORP/SH and Norwood Financial, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Norwood Financial pays an annual dividend of $0.96 per share and has a dividend yield of 2.9%. CA BANCORP/SH does not pay a dividend. Norwood Financial has increased its dividend for 3 consecutive years.
Insider and Institutional Ownership
5.1% of CA BANCORP/SH shares are held by institutional investors. Comparatively, 18.2% of Norwood Financial shares are held by institutional investors. 6.6% of Norwood Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Earnings and Valuation
This table compares CA BANCORP/SH and Norwood Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CA BANCORP/SH||$44.65 million||3.39||$8.71 million||N/A||N/A|
|Norwood Financial||$49.56 million||4.15||$13.65 million||N/A||N/A|
Norwood Financial has higher revenue and earnings than CA BANCORP/SH.
This table compares CA BANCORP/SH and Norwood Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Norwood Financial beats CA BANCORP/SH on 10 of the 12 factors compared between the two stocks.
CA BANCORP/SH Company Profile
California BanCorp operates as the bank holding company for California Bank of Commerce that provides commercial banking services to small to middle-market businesses, professionals, and not-for-profit organizations in California. It accepts various deposit products, including checking, attorney trust, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial loans, such as lines of credit, standby letters of credit, and term loans; commercial real estate loans, including construction, SBA 504, bridge, land acquisition and development, and commercial real estate equity loans; and loans for business owners and officers, which include personal lines of credit, home equity loans/lines of credit, and term loans. In addition, it offers international banking services comprising export, standby, and import letters of credit; asset-based financing; dental and medical financing; cash and treasury management; and online and mobile banking services. The company operates six offices, including three banking branches and three loan production offices in Lafayette, Fremont, San Jose, Oakland, and Walnut Creek. California BanCorp was founded in 2007 and is headquartered in Oakland, California.
Norwood Financial Company Profile
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, title and real estate settlement, and Internet and mobile banking services. Further, it is involved in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates 14 offices in Northeastern Pennsylvania; and 12 offices in Delaware and Sullivan Counties, New York, as well as 27 automated teller machines. The company was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
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