First of Long Island (NASDAQ:FLIC) and Pinnacle Bankshares (OTCMKTS:PPBN) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, dividends, institutional ownership, earnings, valuation, risk and analyst recommendations.
First of Long Island pays an annual dividend of $0.72 per share and has a dividend yield of 3.0%. Pinnacle Bankshares pays an annual dividend of $0.56 per share and has a dividend yield of 1.8%. First of Long Island pays out 44.2% of its earnings in the form of a dividend.
This table compares First of Long Island and Pinnacle Bankshares’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First of Long Island||28.03%||10.93%||1.01%|
This is a breakdown of current ratings and target prices for First of Long Island and Pinnacle Bankshares, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First of Long Island||0||1||0||0||2.00|
Insider & Institutional Ownership
48.7% of First of Long Island shares are owned by institutional investors. Comparatively, 6.4% of Pinnacle Bankshares shares are owned by institutional investors. 4.9% of First of Long Island shares are owned by insiders. Comparatively, 6.5% of Pinnacle Bankshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares First of Long Island and Pinnacle Bankshares’ revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First of Long Island||$140.52 million||4.74||$41.57 million||$1.63||14.78|
|Pinnacle Bankshares||$22.47 million||2.14||$4.16 million||N/A||N/A|
First of Long Island has higher revenue and earnings than Pinnacle Bankshares.
Risk and Volatility
First of Long Island has a beta of 0.63, meaning that its stock price is 37% less volatile than the S&P 500. Comparatively, Pinnacle Bankshares has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.
First of Long Island beats Pinnacle Bankshares on 8 of the 12 factors compared between the two stocks.
First of Long Island Company Profile
The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized 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 money market 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 51 branches, including 6 full-service branches in Queens, 3 in Brooklyn, and 2 commercial banking offices in Manhattan. The First of Long Island Corporation was founded in 1927 and is headquartered in Glen Head, New York.
Pinnacle Bankshares Company Profile
Pinnacle Bankshares Corporation operates as a bank holding company for First National Bank that provides a range of commercial and retail banking products and services in the United States. The company offers checking and savings accounts, money market accounts, individual retirement accounts, certificates of deposit, and savings and time deposits. It also provides residential and commercial mortgages, home equity loans, consumer installment loans, construction loans, agricultural loans, investment loans, small business loans, commercial lines of credit, letters of credit, real estate mortgages, and student loans, as well as overdraft protection. It also provides insurance, including property and casualty, life, and health, as well as investment and annuity products; merchant bankcard processing and cash management services; surety bonds; and check and credit cards, telephone banking, ATM, simplified employee pensions, and e-commerce and other services. The company offers its products and services through nine offices, including main office and Vista Branch in the Town of Altavista; the Airport, Timberlake, and Rustburg branches in Campbell County; Old Forest Road branch and Odd Fellows Road branch in the City of Lynchburg; Forest branch in Bedford County; and Amherst branch in the Town of Amherst. Pinnacle Bankshares Corporation was founded in 1908 and is headquartered in Altavista, Virginia.
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