OPOF vs. EMCF, UBOH, CFBK, LARK, RIVE, CARE, CBNK, PFIS, FISI, and FNLC
Should you be buying Old Point Financial stock or one of its competitors? The main competitors of Old Point Financial include Emclaire Financial (EMCF), United Bancshares (UBOH), CF Bankshares (CFBK), Landmark Bancorp (LARK), Riverview Financial (RIVE), Carter Bankshares (CARE), Capital Bancorp (CBNK), Peoples Financial Services (PFIS), Financial Institutions (FISI), and First Bancorp (FNLC). These companies are all part of the "finance" sector.
Old Point Financial (NASDAQ:OPOF) and Emclaire Financial (NASDAQ:EMCF) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, media sentiment, institutional ownership, community ranking, valuation, profitability and risk.
33.4% of Old Point Financial shares are held by institutional investors. Comparatively, 8.6% of Emclaire Financial shares are held by institutional investors. 21.1% of Old Point Financial shares are held by company insiders. Comparatively, 15.5% of Emclaire Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Old Point Financial has a beta of 0.27, indicating that its stock price is 73% less volatile than the S&P 500. Comparatively, Emclaire Financial has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.
Emclaire Financial has lower revenue, but higher earnings than Old Point Financial. Emclaire Financial is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.
Old Point Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.8%. Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.9%. Old Point Financial pays out 44.4% of its earnings in the form of a dividend. Emclaire Financial pays out 33.7% 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. Emclaire Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
Emclaire Financial has a net margin of 25.57% compared to Old Point Financial's net margin of 7.71%. Emclaire Financial's return on equity of 12.79% beat Old Point Financial's return on equity.
Old Point Financial received 40 more outperform votes than Emclaire Financial when rated by MarketBeat users. However, 70.65% of users gave Emclaire Financial an outperform vote while only 55.37% of users gave Old Point Financial an outperform vote.
In the previous week, Old Point Financial had 8 more articles in the media than Emclaire Financial. MarketBeat recorded 8 mentions for Old Point Financial and 0 mentions for Emclaire Financial. Old Point Financial's average media sentiment score of 0.80 beat Emclaire Financial's score of 0.00 indicating that Old Point Financial is being referred to more favorably in the media.
Summary
Emclaire Financial beats Old Point Financial on 10 of the 17 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding OPOF and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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