Camden National (NASDAQ:CAC) & BV Financial (NASDAQ:BVFL) Critical Survey

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

Volatility and Risk

Camden National has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.4, suggesting that its stock price is 60% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Camden National and BV Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Camden National	0	4	1	0	2.20
BV Financial	0	1	0	0	2.00

Camden National presently has a consensus price target of $49.00, suggesting a potential downside of 2.60%. Given Camden National’s stronger consensus rating and higher probable upside, equities analysts plainly believe Camden National is more favorable than BV Financial.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Camden National	17.46%	11.22%	1.07%
BV Financial	25.74%	8.67%	1.83%

Institutional and Insider Ownership

77.4% of Camden National shares are owned by institutional investors. Comparatively, 42.7% of BV Financial shares are owned by institutional investors. 1.7% of Camden National shares are owned by company insiders. Comparatively, 11.8% of BV Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Camden National and BV Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Camden National	$373.18 million	2.28	$65.16 million	$3.84	13.10
BV Financial	$52.43 million	3.30	$13.49 million	$1.47	13.46

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

Summary

Camden National beats BV Financial on 9 of the 14 factors compared between the two stocks.

About Camden National

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also 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, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.

About BV Financial

BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.