Cortland Bancorp (CLDB) and Poage Bankshares (PBSK) Critical Contrast

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

Risk and Volatility

Cortland Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Poage Bankshares has a beta of 0.24, indicating that its share price is 76% less volatile than the S&P 500.

Profitability

This table compares Cortland Bancorp and Poage Bankshares’ 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%
Poage Bankshares -11.01% -3.99% -0.55%

Insider and Institutional Ownership

1.6% of Cortland Bancorp shares are held by institutional investors. Comparatively, 32.0% of Poage Bankshares shares are held by institutional investors. 9.5% of Cortland Bancorp shares are held by company insiders. Comparatively, 12.0% of Poage Bankshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Cortland Bancorp and Poage Bankshares’ 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 3.07 $8.84 million N/A N/A
Poage Bankshares $21.68 million 0.00 -$2.86 million N/A N/A

Cortland Bancorp has higher revenue and earnings than Poage Bankshares.

Dividends

Cortland Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 1.9%. Poage Bankshares pays an annual dividend of $0.24 per share.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Cortland Bancorp and Poage Bankshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cortland Bancorp 0 0 0 0 N/A
Poage Bankshares 0 0 0 0 N/A

Summary

Cortland Bancorp beats Poage Bankshares 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 Poage Bankshares

Poage Bankshares, Inc. operates as a savings and loan holding company for Town Square Bank that provides financial services to individuals, families, and businesses. The company accepts various deposit products, including savings accounts, NOW and demand accounts, business checking accounts, certificates of deposits, money market accounts, and retirement accounts. It also offers one-to-four family residential mortgage loans; commercial and multi-family real estate loans; commercial and industrial loans; consumer loans comprising new and used automobile and truck loans, recreational vehicle loans, and personal loans; home equity loans and lines of credit; commercial business loans; and construction and land loans. In addition, Poage Bankshares, Inc. purchases investment securities comprising mortgage-backed securities. Further, the company operates automated teller machines; and offers debit cards, and online and mobile banking services. It operates nine offices in northeastern Kentucky; and a loan production office in Cincinnati, Ohio. The company was founded in 1889 and is headquartered in Ashland, Kentucky.

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