Comparing Quaint Oak Bancorp (OTCMKTS:QNTO) and Camden National (NASDAQ:CAC)

Quaint Oak Bancorp (OTCMKTS:QNTO) and Camden National (NASDAQ:CAC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, profitability, valuation, institutional ownership, risk, earnings and analyst recommendations.

Valuation and Earnings

This table compares Quaint Oak Bancorp and Camden National”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Quaint Oak Bancorp	$47.79 million	0.93	$320,000.00	$0.21	80.24
Camden National	$252.65 million	3.47	$65.16 million	$4.70	11.03

Camden National has higher revenue and earnings than Quaint Oak Bancorp. Camden National is trading at a lower price-to-earnings ratio than Quaint Oak Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Quaint Oak Bancorp and Camden National’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Quaint Oak Bancorp	1.19%	1.09%	0.09%
Camden National	21.32%	11.78%	1.16%

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Quaint Oak Bancorp and Camden National, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Quaint Oak Bancorp	0	0	0	0	0.00
Camden National	0	4	2	0	2.33

Camden National has a consensus target price of $52.25, suggesting a potential upside of 0.75%. Given Camden National’s stronger consensus rating and higher probable upside, analysts plainly believe Camden National is more favorable than Quaint Oak Bancorp.

Volatility and Risk

Quaint Oak Bancorp has a beta of -0.08, indicating that its stock price is 108% less volatile than the S&P 500. Comparatively, Camden National has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500.

Insider & Institutional Ownership

8.6% of Quaint Oak Bancorp shares are held by institutional investors. Comparatively, 77.4% of Camden National shares are held by institutional investors. 28.6% of Quaint Oak Bancorp shares are held by insiders. Comparatively, 2.1% of Camden National 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.

Dividends

Quaint Oak Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 0.9%. Camden National pays an annual dividend of $1.68 per share and has a dividend yield of 3.2%. Quaint Oak Bancorp pays out 76.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Camden National pays out 35.7% of its earnings in the form of a dividend. Camden National is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Camden National beats Quaint Oak Bancorp on 14 of the 16 factors compared between the two stocks.

About Quaint Oak Bancorp

Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides banking products and services in Pennsylvania. It offers various deposit products, including money market accounts, certificates of deposit, interest and non-interest-bearing checking accounts for businesses and consumers, and savings accounts. The company also provides residential and commercial mortgage loans, construction loans, commercial business loans, home equity loans, and lines of credit; mortgage banking, real estate sales, title abstract, and insurance services; and multi-state equipment financing services. It serves its customers through offices, as well as correspondence, telephone, and online banking. Quaint Oak Bancorp, Inc. was incorporated in 1926 and is headquartered in Southampton, Pennsylvania.

About Camden National

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.