Frederick County Bancorp (MD) (OTCMKTS:FCBI) and Cortland Bancorp (OTCMKTS:CLDB) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, valuation, institutional ownership, earnings and dividends.

Profitability

This table compares Frederick County Bancorp (MD) and Cortland Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Frederick County Bancorp (MD) 11.41% N/A N/A
Cortland Bancorp 26.40% 14.41% 1.32%

Valuation and Earnings

This table compares Frederick County Bancorp (MD) and Cortland Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Frederick County Bancorp (MD) $18.62 million 3.11 $2.96 million N/A N/A
Cortland Bancorp $33.46 million 3.06 $8.84 million N/A N/A

Cortland Bancorp has higher revenue and earnings than Frederick County Bancorp (MD).

Dividends

Frederick County Bancorp (MD) pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Cortland Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 2.4%.

Insider and Institutional Ownership

1.6% of Cortland Bancorp shares are owned by institutional investors. 32.2% of Frederick County Bancorp (MD) shares are owned by company insiders. Comparatively, 9.5% of Cortland Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Risk & Volatility

Frederick County Bancorp (MD) has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500. Comparatively, Cortland Bancorp has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings for Frederick County Bancorp (MD) and Cortland Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Frederick County Bancorp (MD) 0 0 0 0 N/A
Cortland Bancorp 0 0 0 0 N/A

Summary

Cortland Bancorp beats Frederick County Bancorp (MD) on 7 of the 11 factors compared between the two stocks.

About Frederick County Bancorp (MD)

Frederick County Bancorp, Inc. operates as the holding company for Frederick County Bank that provides various banking services to individuals and commercial enterprises in the Frederick County, Maryland. It offers deposit products, including personal checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, and health savings accounts; and business checking accounts, savings and money market accounts, and certificates of deposits. The company provides home equity, home equity fixed rate, mortgage, installment, vehicle, and unsecured loans, as well as home equity line of credit and lines of credit; and commercial loans, such as term loans, lines of credit, letters of credit, and real estate finance. It also offers cash management services comprising automated clearing house, wire origination, remote deposit capture, and zero balance account services. In addition, the company provides mobile deposit capture, overdraft protection, debit and credit card, automated teller machine, and night depository services; and business courier and merchant processing services, as well as online banking and bill pay services. The company was founded in 2001 and is headquartered in Frederick, Maryland.

About Cortland Bancorp

Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Its deposit products include demand deposits, savings, money market, time deposit, and checking accounts. The company's loan portfolio comprises commercial loans consisting of commercial, financial loans, real estate construction and development loans, commercial real estate loans, small business lending, and trade financing; and consumer loans, such as residential real estate, home equity, and installment loans. It also provides brokerage and investment services; asset management services; night depository services, automated teller services, safe deposit boxes, and other services; and Internet and mobile banking options. As of February 4, 2019, it operated through 14 offices located in the Summit, Trumbull, Mahoning, Portage, and Ashtabula counties in Northeast Ohio. The company was founded in 1892 and is headquartered in Cortland, Ohio.

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