Brookline Bancorp (NASDAQ:BRKL) and FFD Financial (OTCMKTS:FFDF) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, valuation, profitability and analyst recommendations.
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Insider & Institutional Ownership
78.5% of Brookline Bancorp shares are held by institutional investors. Comparatively, 2.0% of FFD Financial shares are held by institutional investors. 2.5% of Brookline Bancorp shares are held by insiders. Comparatively, 11.5% of FFD Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
This is a breakdown of recent recommendations for Brookline Bancorp and FFD Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Brookline Bancorp currently has a consensus target price of $16.67, suggesting a potential upside of 4.04%. Given Brookline Bancorp’s higher possible upside, equities analysts plainly believe Brookline Bancorp is more favorable than FFD Financial.
This table compares Brookline Bancorp and FFD Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Brookline Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 2.7%. FFD Financial pays an annual dividend of $1.90 per share and has a dividend yield of 3.2%. Brookline Bancorp pays out 41.1% of its earnings in the form of a dividend.
Earnings and Valuation
This table compares Brookline Bancorp and FFD Financial’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Brookline Bancorp||$339.12 million||3.77||$83.06 million||$1.07||14.97|
|FFD Financial||$19.27 million||3.11||$6.32 million||N/A||N/A|
Brookline Bancorp has higher revenue and earnings than FFD Financial.
Risk & Volatility
Brookline Bancorp has a beta of 0.88, indicating that its stock price is 12% less volatile than the S&P 500. Comparatively, FFD Financial has a beta of 0.05, indicating that its stock price is 95% less volatile than the S&P 500.
Brookline Bancorp beats FFD Financial on 10 of the 13 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 FFD Financial
FFD Financial Corporation operates as the holding company for First Federal Community Bank, National Association that provides banking products and services. It offers various deposit products, including checking, savings, money market, health savings, and club accounts, as well as certificates of deposit and individual retirement accounts. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, personal loans, business term loans and lines of credit, commercial real estate loans, and equipment loans; and credit and debit cards. In addition, it offers online banking and bill pay, e-statement, overdraft protection, mobile banking, night depository, cash management, wire transfer, safe deposit box, night depository, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. It operates branches in Dover, New Philadelphia, Boulevard, Sugarcreek, Berlin, and Mt. Hope. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.