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

Institutional & Insider Ownership

56.7% of First of Long Island shares are owned by institutional investors. Comparatively, 64.0% of Camden National shares are owned by institutional investors. 4.6% of First of Long Island shares are owned by company insiders. Comparatively, 2.3% of Camden National shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility & Risk

First of Long Island has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500. Comparatively, Camden National has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for First of Long Island and Camden National, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First of Long Island 0 2 0 0 2.00
Camden National 0 1 1 0 2.50

First of Long Island presently has a consensus price target of $29.50, suggesting a potential upside of 35.94%. Camden National has a consensus price target of $49.75, suggesting a potential upside of 9.08%. Given First of Long Island’s higher probable upside, equities research analysts plainly believe First of Long Island is more favorable than Camden National.

Earnings and Valuation

This table compares First of Long Island and Camden National’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First of Long Island $125.09 million 4.41 $35.12 million $1.48 14.66
Camden National $174.70 million 4.07 $28.47 million $2.73 16.71

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

Profitability

This table compares First of Long Island and Camden National’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First of Long Island 28.08% 11.05% 0.98%
Camden National 18.39% 11.64% 1.16%

Dividends

First of Long Island pays an annual dividend of $0.60 per share and has a dividend yield of 2.8%. Camden National pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. First of Long Island pays out 40.5% of its earnings in the form of a dividend. Camden National pays out 44.0% 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. First of Long Island has increased its dividend for 11 consecutive years and Camden National has increased its dividend for 5 consecutive years. First of Long Island is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

About First of Long Island

The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to privately owned businesses, professionals, consumers, public bodies, and other organizations. Its deposit products include business and small business checking, personal checking products, savings accounts, negotiable order of withdrawal accounts and IOLA, escrow service accounts, rent security accounts, time deposits, holiday club accounts, and individual retirement accounts, as well as personal and non-personal money market and savings products. The company's loan portfolio comprises commercial and industrial loans, small business credit scored loans, residential and commercial mortgage loans, home equity lines of credit, construction loans, and commercial and standby letters of credit, as well as auto, home improvement, and other consumer loans. It also offers account reconciliation services, ACH origination, ATM banking and deposit automation, bank by mail, bill payment, cash management services, collection services, controlled disbursement accounts, foreign currency sales and purchases, healthcare remittance automation, debit cards, lock box services, merchant credit card services, and mobile capture services, as well as mutual funds, annuities, and life insurance. In addition, the company provides night depository services, payroll services, personal money orders, remote deposit, safe deposit boxes, securities transactions, signature guarantee services, travelers checks, investment management and trust services, domestic and international wire transfers, and withholding tax depository services, as well as drive-through, mobile, online, and telephone banking services. It operates through a network of 37 full service branches, 10 commercial banking offices and 2 select service banking centers in New York. The First of Long Island Corporation was founded in 1927 and is based in Glen Head, New York.

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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