First of Long Island (NASDAQ:FLIC) and MBT Financial (NASDAQ:MBTF) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.
This is a summary of current ratings and price targets for First of Long Island and MBT Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First of Long Island||0||1||0||0||2.00|
This table compares First of Long Island and MBT Financial’s 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%|
First of Long Island pays an annual dividend of $0.72 per share and has a dividend yield of 3.0%. MBT Financial pays an annual dividend of $0.44 per share and has a dividend yield of 4.5%. First of Long Island pays out 44.2% of its earnings in the form of a dividend. First of Long Island has raised its dividend for 12 consecutive years and MBT Financial has raised its dividend for 2 consecutive years.
Risk and Volatility
First of Long Island has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500. Comparatively, MBT Financial has a beta of 0.51, meaning that its share price is 49% less volatile than the S&P 500.
Institutional & Insider Ownership
48.7% of First of Long Island shares are held by institutional investors. Comparatively, 52.5% of MBT Financial shares are held by institutional investors. 4.9% of First of Long Island shares are held by insiders. Comparatively, 22.9% of MBT Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares First of Long Island and MBT Financial’s gross 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||4.69||$41.57 million||$1.63||14.63|
|MBT Financial||$61.83 million||3.67||$17.70 million||N/A||N/A|
First of Long Island has higher revenue and earnings than MBT Financial.
First of Long Island beats MBT Financial on 8 of the 13 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.
MBT Financial Company Profile
MBT Financial Corp. is a bank holding company, which operates through its subsidiary Monroe Bank & Trust. It offers various deposit products which include checking and savings accounts, time deposits, safe deposit facilities, commercial loans, personal loans, real estate mortgage loans, installment loans, IRAs, ATM and night depository facilities, treasury management services, telephone and internet banking, personal trust, employee benefit and investment management services. The company was founded in January 2000 and is headquartered in Monroe, MI.
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