BSB Bancorp (NASDAQ: BLMT) and Community Bank System (NYSE:CBU) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, institutional ownership, valuation, analyst recommendations, dividends, earnings and risk.
Community Bank System pays an annual dividend of $1.36 per share and has a dividend yield of 2.4%. BSB Bancorp does not pay a dividend. Community Bank System pays out 45.3% of its earnings in the form of a dividend. BSB Bancorp has increased its dividend for 7 consecutive years.
This is a breakdown of recent ratings and price targets for BSB Bancorp and Community Bank System, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Bank System||0||6||0||0||2.00|
Community Bank System has a consensus price target of $55.00, indicating a potential downside of 3.51%. Given Community Bank System’s higher probable upside, analysts clearly believe Community Bank System is more favorable than BSB Bancorp.
Insider & Institutional Ownership
48.7% of BSB Bancorp shares are held by institutional investors. Comparatively, 68.0% of Community Bank System shares are held by institutional investors. 14.6% of BSB Bancorp shares are held by company insiders. Comparatively, 3.2% of Community Bank System shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
This table compares BSB Bancorp and Community Bank System’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Bank System||28.34%||9.18%||1.35%|
Risk & Volatility
BSB Bancorp has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500. Comparatively, Community Bank System has a beta of 0.98, indicating that its stock price is 2% less volatile than the S&P 500.
Valuation and Earnings
This table compares BSB Bancorp and Community Bank System’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BSB Bancorp||$80.77 million||3.67||$14.39 million||$1.56||19.58|
|Community Bank System||$531.88 million||5.44||$150.71 million||$3.00||19.00|
Community Bank System has higher revenue and earnings than BSB Bancorp. Community Bank System is trading at a lower price-to-earnings ratio than BSB Bancorp, indicating that it is currently the more affordable of the two stocks.
Community Bank System beats BSB Bancorp on 11 of the 15 factors compared between the two stocks.
BSB Bancorp Company Profile
BSB Bancorp, Inc. (BSB Bancorp) is a bank holding company of Belmont Savings Bank (the Bank). The Company’s Belmont Savings Bank is a chartered savings bank. The Bank’s business consists primarily of accepting deposits from the general public, small businesses and municipalities, and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans, commercial business loans, construction loans and investment securities. The Bank offers a range of deposit accounts, including relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, Interest on Lawyer Trust Accounts (IOLTA), commercial, municipal and regular checking accounts and Individual Retirement Accounts (IRAs).
Community Bank System Company Profile
Community Bank System, Inc. is a bank holding company. The Company owns two subsidiaries: Community Bank, N.A. (CBNA or the Bank) and Benefit Plans Administrative Services, Inc. (BPAS). It operates in three segments: banking, employee benefit services, and All Other. The Banking segment provides lending and depository-related products and services to individuals, businesses and municipal enterprises. The Employee benefit services segment, consisting of BPAS and its subsidiaries, provides employee benefit trust services; collective investment fund; actuarial services, and healthcare consulting services. The All Other segment consists of wealth management services, including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. (CISI), Oneida Wealth Management, Inc. (OWM) and The Carta Group, Inc, and asset management provided by Nottingham Advisors, Inc.
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