Critical Review: FFW (OTCMKTS:FFWC) vs. Cortland Bancorp (OTCMKTS:CLDB)

FFW (OTCMKTS:FFWC) and Cortland Bancorp (OTCMKTS:CLDB) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.

Institutional & Insider Ownership

1.6% of Cortland Bancorp shares are owned by institutional investors. 17.0% of FFW shares are owned by insiders. Comparatively, 9.5% of Cortland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares FFW and Cortland Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FFW 21.95% N/A N/A
Cortland Bancorp 26.40% 14.41% 1.32%

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for FFW and Cortland Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFW 0 0 0 0 N/A
Cortland Bancorp 0 0 0 0 N/A

Risk and Volatility

FFW has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, Cortland Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500.

Dividends

FFW pays an annual dividend of $0.84 per share and has a dividend yield of 2.0%. Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 2.0%.

Valuation & Earnings

This table compares FFW and Cortland Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFW $19.80 million 2.50 $4.34 million N/A N/A
Cortland Bancorp $33.46 million 2.94 $8.84 million N/A N/A

Cortland Bancorp has higher revenue and earnings than FFW.

Summary

Cortland Bancorp beats FFW on 8 of the 11 factors compared between the two stocks.

FFW Company Profile

FFW Corp. operates as a bank holding company. It engages in the provision of investment services through its wholly owned subsidiary. The company was founded in December 1992 and is headquartered in Wabash, IN.

Cortland Bancorp Company Profile

Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.

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