FFBW (NASDAQ:FFBW) and Codorus Valley Bancorp (NASDAQ:CVLY) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings for FFBW and Codorus Valley Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFBW 0 0 0 0 N/A
Codorus Valley Bancorp 0 0 0 0 N/A

Earnings and Valuation

This table compares FFBW and Codorus Valley Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFBW $11.31 million 5.67 $1.06 million N/A N/A
Codorus Valley Bancorp $93.64 million 2.24 $19.54 million N/A N/A

Codorus Valley Bancorp has higher revenue and earnings than FFBW.

Profitability

This table compares FFBW and Codorus Valley Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FFBW 10.32% 2.02% 0.46%
Codorus Valley Bancorp 18.78% 10.16% 1.01%

Institutional & Insider Ownership

4.0% of FFBW shares are owned by institutional investors. Comparatively, 52.6% of Codorus Valley Bancorp shares are owned by institutional investors. 2.9% of FFBW shares are owned by company insiders. Comparatively, 3.9% of Codorus Valley Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

Codorus Valley Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.9%. FFBW does not pay a dividend. Codorus Valley Bancorp has increased its dividend for 7 consecutive years.

Risk and Volatility

FFBW has a beta of 0.43, suggesting that its share price is 57% less volatile than the S&P 500. Comparatively, Codorus Valley Bancorp has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.

Summary

Codorus Valley Bancorp beats FFBW on 10 of the 12 factors compared between the two stocks.

About FFBW

FFBW, Inc. is the holding company of First Federal Bank of Wisconsin (the Bank). First Federal Bank of Wisconsin is a federally chartered mutual savings bank. The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential owner-occupied real estate loans, one-to four-family residential investor-owned real estate loans, multifamily loans and commercial real estate loans, and, to a lesser extent, commercial and industrial loans, commercial development loans and consumer loans. The Bank invests in various types of liquid assets, including the United States Treasury obligations, securities of various government-sponsored enterprises and municipal governments, deposits at the Federal Home Loan Bank of Chicago. At March 31, 2017, the Bank had total deposits of 180.5 million. At March 31, 2017, the Bank had net loans of 165,697 thousand.

About Codorus Valley Bancorp

Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company accepts demand, money market, time, and savings deposits. It also offers commercial real estate, industrial, and construction loans; commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; and consumer loans, including residential mortgage, home equity, and other loans. In addition, it provides personal and mortgage banking, wealth management, and real estate settlement services; and sells non-deposit investment products. As of December 31, 2018, the company operated 26 full service financial centers located in South Central Pennsylvania primarily in York and Lancaster County; and Baltimore County, Baltimore City, and Harford County in Central Maryland. Codorus Valley Bancorp, Inc. was founded in 1864 and is headquartered in York, Pennsylvania.

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