First United (NASDAQ:FUNC) and Community Bancorp. (VT) (OTCMKTS:CMTV) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, earnings, analyst recommendations, institutional ownership, profitability, valuation and dividends.
Insider & Institutional Ownership
34.5% of First United shares are held by institutional investors. 4.2% of First United shares are held by company insiders. Comparatively, 7.3% of Community Bancorp. (VT) shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Risk & Volatility
First United has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500. Comparatively, Community Bancorp. (VT) has a beta of -0.26, suggesting that its share price is 126% less volatile than the S&P 500.
This is a summary of current ratings and target prices for First United and Community Bancorp. (VT), as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Bancorp. (VT)||0||0||0||0||N/A|
This table compares First United and Community Bancorp. (VT)’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Bancorp. (VT)||22.68%||13.67%||1.16%|
Valuation and Earnings
This table compares First United and Community Bancorp. (VT)’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First United||$61.21 million||2.03||$5.26 million||N/A||N/A|
|Community Bancorp. (VT)||$32.02 million||2.60||$6.23 million||N/A||N/A|
Community Bancorp. (VT) has lower revenue, but higher earnings than First United.
First United pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. Community Bancorp. (VT) pays an annual dividend of $0.76 per share and has a dividend yield of 4.7%.
Community Bancorp. (VT) beats First United on 7 of the 10 factors compared between the two stocks.
First United Company Profile
First United Corporation operates as the holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers various deposit products, including checking accounts, savings and money market accounts, regular and individual retirement accounts (IRA) certificates of deposit, Christmas savings accounts, college savings accounts, and health savings accounts; Certificate of Deposit Account Registry Service program and Insured Cash Sweep program to municipalities, businesses, and consumers; and commercial customers packages, which include treasury management, cash sweep, and various checking opportunities. It also provides loans, such as commercial loans secured by real estate, commercial equipment, vehicles, or other assets of the borrower; commercial real estate loans for residential and commercial development, agricultural purpose properties, and service industry buildings; residential mortgage loans; home equity lines of credit; residential real estate construction loans; indirect and direct auto loans; and other secured and unsecured lines of credit and term loans. In addition, the company offers various trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts that consist of IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration, and estate planning services; insurance products; brokerage services; and safe deposit, and night depository facilities. It operates 24 banking offices, 1 call center, and 26 automated teller machines in Allegany, Frederick, Garrett, and Washington counties in Maryland; and in Mineral, Berkeley, and Monongalia counties in West Virginia. First United Corporation was founded in 1900 and is headquartered in Oakland, Maryland.
Community Bancorp. (VT) Company Profile
Community Bancorp. operates as the bank holding company for Community National Bank that provides retail banking services to residents, businesses, nonprofit organizations, and municipalities. The company accepts various deposit products, such as checking accounts, savings programs, certificates of deposit, and other deposit accounts. Its loan products include financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; commercial and residential real estate lending; personal, automobile, and boat/recreational vehicle loans; and tax-exempt loans, lines of credit, and term loans. The company also offers debit/credit cards; and cash management, repurchase agreement, automated clearing house, wire transfer, remote deposit capture, and automated teller machine services, as well as online, mobile, and telephone banking services. It operates through a main office in Derby; and 11 branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is based in Derby, Vermont.
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