Critical Comparison: Brookline Bancorp (NASDAQ:BRKL) versus Community Investors Bancorp (NASDAQ:CIBN)

Brookline Bancorp (NASDAQ:BRKL) and Community Investors Bancorp (OTCMKTS:CIBN) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, risk, institutional ownership, valuation, dividends, analyst recommendations and earnings.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Brookline Bancorp and Community Investors Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Brookline Bancorp 0 0 3 0 3.00
Community Investors Bancorp 0 0 0 0 N/A

Earnings & Valuation

This table compares Brookline Bancorp and Community Investors Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Brookline Bancorp $377.42 million 1.89 $87.72 million $1.10 8.24
Community Investors Bancorp N/A N/A N/A N/A N/A

Brookline Bancorp has higher revenue and earnings than Community Investors Bancorp.

Insider and Institutional Ownership

80.8% of Brookline Bancorp shares are held by institutional investors. 2.6% of Brookline Bancorp shares are held by company insiders. Comparatively, 15.8% of Community Investors Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

Brookline Bancorp pays an annual dividend of $0.46 per share and has a dividend yield of 5.1%. Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.6%. Brookline Bancorp pays out 41.8% of its earnings in the form of a dividend. Brookline Bancorp has increased its dividend for 2 consecutive years. Brookline Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Brookline Bancorp and Community Investors Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Brookline Bancorp 12.65% 5.03% 0.56%
Community Investors Bancorp N/A N/A N/A

Risk & Volatility

Brookline Bancorp has a beta of 0.71, indicating that its share price is 29% less volatile than the S&P 500. Comparatively, Community Investors Bancorp has a beta of 0.37, indicating that its share price is 63% less volatile than the S&P 500.

Summary

Brookline Bancorp beats Community Investors Bancorp on 9 of the 11 factors compared between the two stocks.

About Brookline Bancorp

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank, Bank Rhode Island, First Ipswich Bank, and Brookline Securities Corp that provide commercial, business, and retail banking services to corporate, municipal, and retail customers in the United States. Its deposit products include non-interest-bearing demand checking accounts, NOW accounts, savings accounts, and money market accounts, as well as commercial, municipal, and retail deposits. The company's loan portfolio primarily comprises first mortgage loans secured by commercial, multi-family, and residential real estate properties; loans to business entities comprising commercial lines of credit; loans to condominium associations; financing for construction and development projects; home equity and other consumer loans; and commercial loans and leases to small and midsized businesses. It also provides term loans, letters of credit, cash management, investment advisory, and online and mobile banking services, as well as invests in debt and equity securities. As of December 31, 2018, the Company operated 51 full-service banking offices in greater Boston, the north shore of Massachusetts, and Rhode Island. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts.

About Community Investors Bancorp

Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio. It accepts checking and savings accounts, individual retirement accounts, time deposits, and health savings accounts. The company offers consumer loans, including personal, auto, home equity, and home improvement loans; commercial loans, such as real estate, term, business expansion, construction, and SBA loans; and mortgages. It also provides Internet and telephone banking, debit cards, night depositary and shareholder services, merchant services, and financial planning and investment advice services. The company was founded in 1888 and is based in Bucyrus, Ohio.

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