Comparing Salisbury Bancorp (SAL) and Dime Community Bancshares (DCOM)

Salisbury Bancorp (NASDAQ: SAL) and Dime Community Bancshares (NASDAQ:DCOM) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, earnings, dividends, profitability, valuation, analyst recommendations and institutional ownership.

Analyst Ratings

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This is a summary of current recommendations for Salisbury Bancorp and Dime Community Bancshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Salisbury Bancorp 0 0 1 0 3.00
Dime Community Bancshares 1 2 1 0 2.00

Salisbury Bancorp presently has a consensus price target of $51.00, indicating a potential upside of 13.46%. Dime Community Bancshares has a consensus price target of $21.63, indicating a potential upside of 17.85%. Given Dime Community Bancshares’ higher possible upside, analysts plainly believe Dime Community Bancshares is more favorable than Salisbury Bancorp.

Dividends

Salisbury Bancorp pays an annual dividend of $1.12 per share and has a dividend yield of 2.5%. Dime Community Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 3.1%. Salisbury Bancorp pays out 39.7% of its earnings in the form of a dividend. Dime Community Bancshares pays out 43.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Insider & Institutional Ownership

9.6% of Salisbury Bancorp shares are owned by institutional investors. Comparatively, 72.9% of Dime Community Bancshares shares are owned by institutional investors. 19.1% of Salisbury Bancorp shares are owned by insiders. Comparatively, 7.3% of Dime Community Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Salisbury Bancorp and Dime Community Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Salisbury Bancorp 14.13% 7.80% 0.78%
Dime Community Bancshares 22.21% 8.30% 0.77%

Risk and Volatility

Salisbury Bancorp has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, Dime Community Bancshares has a beta of 0.72, indicating that its share price is 28% less volatile than the S&P 500.

Earnings and Valuation

This table compares Salisbury Bancorp and Dime Community Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Salisbury Bancorp $43.76 million 2.87 $6.25 million $2.82 15.94
Dime Community Bancshares $233.61 million 2.94 $51.88 million $1.29 14.22

Dime Community Bancshares has higher revenue and earnings than Salisbury Bancorp. Dime Community Bancshares is trading at a lower price-to-earnings ratio than Salisbury Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Dime Community Bancshares beats Salisbury Bancorp on 9 of the 15 factors compared between the two stocks.

About Salisbury Bancorp

Salisbury Bancorp, Inc. is a bank holding company for Salisbury Bank and Trust Company (the Bank). The Bank is a Connecticut-chartered and Federal Deposit Insurance Corporation (the FDIC) insured commercial bank. The Bank provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through a network of over 10 banking offices and approximately nine automated teller machines (ATMs). The Bank originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one- to four- family residences, home equity lines of credit, fixed rate loans and other consumer loans. The Bank’s securities portfolio include the United States Government and Agency securities, mortgage-backed securities, collateralized mortgage obligations and tax exempt municipal bonds. The Bank uses deposits, repayments and sales, and borrowings to fund lending, investing and general operations.

About Dime Community Bancshares

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides commercial banking and financial services in New York. It offers deposit products, such as savings, money market, and interest bearing and non-interest bearing checking accounts, as well as certificates of deposit. The company also offers multifamily residential and commercial real estate loans; commercial and industrial loans, such as lines of credit, revolving lines of credit, and term loans; one-to-four family residential and condominium/cooperative apartment loans; home equity and home improvement loans; equity lines of credit on multifamily residential and commercial real estate loans; acquisition, land development, and construction loans; small business administration loans; finance loans and leases; and consumer loans. In addition, it manages and owns real estate; sells non-Federal Deposit Insurance Corporation insured investment products; and invests in multifamily residential and commercial real estate loans. As of December 31, 2017, the company operated 28 full-service retail banking offices located throughout Brooklyn, Queens, the Bronx, Nassau County, and Suffolk County, New York. Dime Community Bancshares, Inc. was founded in 1864 and is headquartered in Brooklyn, New York.

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