First Bancorp (NASDAQ:FNLC) versus Community Bancorp (OTCMKTS:CMTV) Head to Head Review

Community Bancorp (OTCMKTS:CMTVGet Rating) and First Bancorp (NASDAQ:FNLCGet Rating) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, dividends, analyst recommendations, risk, profitability, institutional ownership and earnings.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Community Bancorp and First Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Bancorp 0 0 0 0 N/A
First Bancorp 0 0 0 0 N/A

Volatility and Risk

Community Bancorp has a beta of 0.2, suggesting that its stock price is 80% less volatile than the S&P 500. Comparatively, First Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500.

Dividends

Community Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 4.9%. First Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 4.8%. First Bancorp pays out 39.1% of its earnings in the form of a dividend. First Bancorp has raised its dividend for 3 consecutive years.

Profitability

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

Net Margins Return on Equity Return on Assets
Community Bancorp 30.14% 15.94% 1.25%
First Bancorp 38.63% 16.18% 1.50%

Institutional and Insider Ownership

38.9% of First Bancorp shares are held by institutional investors. 8.8% of Community Bancorp shares are held by company insiders. Comparatively, 5.8% of First Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Earnings and Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community Bancorp $41.53 million 2.45 $13.14 million N/A N/A
First Bancorp $96.46 million 3.21 $36.27 million $3.48 8.07

First Bancorp has higher revenue and earnings than Community Bancorp.

Summary

First Bancorp beats Community Bancorp on 10 of the 13 factors compared between the two stocks.

About Community Bancorp

(Get Rating)

Community Bancorp. operates as the bank holding company for Community National Bank that provides a range of retail banking services to residents, businesses, nonprofit organizations, and municipalities. It provides various consumer banking products and services, including checking accounts, savings programs, ATMs, debit/credit cards, and night deposit facilities, as well as online, mobile, and telephone banking. The company's business banking products and services comprise credit products for various business purposes, including financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; and business checking and other deposit accounts, cash management services, repurchase agreements, ACH and wire transfer services, and remote deposit capture. It offers commercial real estate lending products for commercial developers and investors, residential builders and developers, and community development entities, which include credit products to facilitate the purchase of land and/or build structures for business, for investors to develop residential or commercial properties, and for real estate secured financing of existing businesses, as well as financing to startups and other small businesses. The company's residential real estate lending products include fixed-rate and adjustable rate residential mortgage and home equity loans; retail credit products include personal, automobile, and boat/recreational vehicle loans; and municipal and institutional banking products and services for state and local governments, schools, charities, membership, and not-for-profit associations comprise deposit accounts, tax-exempt loans, lines of credit, and term loans, as well as a collateralized secured deposit products. It operates through a main office in Derby; and eleven branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is headquartered in Derby, Vermont.

About First Bancorp

(Get Rating)

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

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