Head-To-Head Analysis: Cortland Bancorp (OTCMKTS:CLDB) & BofI (OTCMKTS:BOFI)

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Cortland Bancorp (OTCMKTS:CLDB) and BofI (NASDAQ:BOFI) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, dividends, valuation and profitability.

Analyst Ratings

This is a breakdown of current ratings and price targets for Cortland Bancorp and BofI, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cortland Bancorp 0 0 0 0 N/A
BofI 0 0 2 0 3.00

BofI has a consensus target price of $46.00, indicating a potential upside of 33.76%. Given BofI’s higher possible upside, analysts plainly believe BofI is more favorable than Cortland Bancorp.

Profitability

This table compares Cortland Bancorp and BofI’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cortland Bancorp 26.40% 14.41% 1.32%
BofI N/A N/A N/A

Earnings & Valuation

This table compares Cortland Bancorp and BofI’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Cortland Bancorp $33.46 million 2.97 $8.84 million N/A N/A
BofI N/A N/A N/A N/A N/A

Cortland Bancorp has higher revenue and earnings than BofI.

Dividends

Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.9%. BofI does not pay a dividend.

Insider & Institutional Ownership

1.6% of Cortland Bancorp shares are held by institutional investors. Comparatively, 75.3% of BofI shares are held by institutional investors. 9.5% of Cortland Bancorp shares are held by insiders. Comparatively, 6.5% of BofI 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.

Summary

Cortland Bancorp beats BofI on 6 of the 9 factors compared between the two stocks.

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.

About BofI

BofI Holding, Inc. operates as the holding company for BofI Federal Bank that provides consumer and business banking products in the United States. The company offers deposits products, including consumer and business checking, demand, savings, and time deposit accounts. It also provides single family and multifamily mortgage secured lending products; commercial real estate secured and commercial lending products; specialty finance factoring products; prime loans to customers secured by new and used automobiles; and term unsecured personal loans to individual borrowers, as well as overdraft lines of credit. In addition, the company offers prepaid card and refund transfer, debit card or ATM card, portfolio management, online bill payment, money transfer, overdraft protection, online and mobile banking, and text message banking services. BofI Holding, Inc. was incorporated in 1999 and is based in San Diego, California.

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