Dime Community Bancshares (NASDAQ:DCOM – Get Rating) and Bank First (NASDAQ:BFC – Get Rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on earnings strength, valuation, dividends, profitability, institutional ownership, risk, and analyst recommendations.
Risk and Volatility
Dime Community Bancshares has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500. In comparison, Bank First has a beta of 0.3, indicating that its stock price is stock is 70% less volatile than the S&P 500.
Insider and Institutional Ownership
72.3% of Dime Community Bancshares shares are held by institutional investors. By comparison, 26.3% of Bank First’s shares are held by institutional investors. 15.3% of Dime Community Bancshares shares are held by company insiders. By comparison, 7.6% of Bank First shares are held by company insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company will outperform the market over the long term.
Dime Community Bancshares pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. Bank First pays an annual dividend of $0.88 per share and has a dividend yield of 1.1%. Dime Community Bancshares pays 25.7% of its profits as a dividend. Bank First pays 15.3% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Dime Community Bancshares increased its dividend for 1 consecutive year and Bank First increased its dividend for 2 consecutive years.
This table compares the net margins, return on equity and return on assets of Dime Community Bancshares and Bank First.
|Net margins||Return on equity||return on assets|
|Dime Community Bancshares||35.58%||14.40%||1.25%|
This is a summary of recent ratings and recommendations for Dime Community Bancshares and Bank First, as provided by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Dime Community Bancshares||0||1||2||0||2.67|
Dime Community Bancshares currently has a consensus price target of $35.17, indicating a potential upside of 18.01%. Bank First has a consensus price target of $84.00, indicating a potential upside of 9.32%. Given the likely higher upside of Dime Community Bancshares, analysts clearly believe that Dime Community Bancshares is more favorable than Bank First.
Valuation and benefits
This chart compares revenue, earnings per share (EPS), and valuation of Dime Community Bancshares and Bank First.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Dime Community Bancshares||$426.69 million||2.74||$104.00 million||$3.73||7.99|
|Bank first||$121.90 million||4.74||$45.44 million||$5.76||13.34|
Dime Community Bancshares has higher revenue and profit than Bank First. Dime Community Bancshares trades at a lower price-to-earnings ratio than Bank First, indicating that it is currently the more affordable of the two stocks.
Dime Community Bancshares beats Bank First on 9 out of 17 factors compared between the two stocks.
About Dime Community Bancshares
(Get a rating)
Dime Community Bancshares, Inc. operates as a holding company for Dime Community Bank which provides various commercial banking and financial services. It accepts term, savings and demand deposits from businesses, consumers and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association and Federal Home Loan Mortgage Corporation, mortgage-backed securities, secured mortgage bonds and other mortgage-backed securities. assets ; US Treasury securities; New York State and local municipal bonds; US government-sponsored corporate securities; and corporate bonds. In addition, the company offers deposit account register certificate services and insured cash sweep programs; merchant credit and debit card processing, ATMs, cash management services, safe deposit box processing, online banking, remote deposit capture, safe deposit boxes and individual retirement accounts; investment products and services through a third party broker; and title insurance brokerage services. As of December 31, 2021, it operated 60 branches on Long Island and in the New York boroughs of Brooklyn, Queens, Manhattan and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.
About Bank First
(Get a rating)
Bank First Corporation operates as a holding company for Bank First NA which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government authorities. The company offers checking, savings, money market, cash management, retirement and health savings accounts; other term deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; Insurance; data processing and other information technologies; investment and custody; finance management; and online, telephone and mobile banking. The Company’s lending products include real estate loans, including commercial real estate loans, residential mortgages and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing and other business purposes; construction and development loans; residential loans for 1 to 4 families; and consumer loans for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.
Receive daily news and reviews for Dime Community Bancshares – Enter your email address below to receive a concise daily summary of the latest news and analyst ratings for Dime Community Bancshares and related companies with MarketBeat.com’s free daily email newsletter.