Colony Bankcorp (CBAN) vs. Melrose Bancorp (MELR) Critical Comparison

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Colony Bankcorp (NASDAQ:CBAN) and Melrose Bancorp (NASDAQ:MELR) 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, institutional ownership, profitability, earnings, analyst recommendations, valuation and risk.

Dividends

Colony Bankcorp pays an annual dividend of $0.20 per share and has a dividend yield of 1.2%. Melrose Bancorp pays an annual dividend of $0.34 per share and has a dividend yield of 1.8%.

Institutional and Insider Ownership

15.9% of Colony Bankcorp shares are held by institutional investors. Comparatively, 21.1% of Melrose Bancorp shares are held by institutional investors. 5.5% of Colony Bankcorp shares are held by insiders. Comparatively, 13.6% of Melrose Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares Colony Bankcorp and Melrose Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Colony Bankcorp $55.65 million 2.58 $7.75 million N/A N/A
Melrose Bancorp $10.58 million 4.69 $1.80 million N/A N/A

Colony Bankcorp has higher revenue and earnings than Melrose Bancorp.

Profitability

This table compares Colony Bankcorp and Melrose Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Colony Bankcorp 16.57% 13.15% 0.97%
Melrose Bancorp 13.79% 3.81% 0.54%

Risk and Volatility

Colony Bankcorp has a beta of 0.37, suggesting that its stock price is 63% less volatile than the S&P 500. Comparatively, Melrose Bancorp has a beta of 0.21, suggesting that its stock price is 79% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Colony Bankcorp and Melrose Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Colony Bankcorp 0 0 0 0 N/A
Melrose Bancorp 0 0 0 0 N/A

Summary

Colony Bankcorp beats Melrose Bancorp on 6 of the 11 factors compared between the two stocks.

About Colony Bankcorp

Colony Bankcorp, Inc. operates as the holding company for Colony Bank that provides banking products and services to commercial and consumer customers. It offers various deposit products, including demand, savings, and time deposits. The company also offers loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, it offers Internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. The company operates through a network of 27 offices located in central, south, and coastal Georgia. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.

About Melrose Bancorp

Melrose Bancorp, Inc. operates as the bank holding company for Melrose Cooperative Bank that provides various banking products and services. The company accepts various deposits, such as noninterest-bearing demand accounts, money market accounts, savings accounts, NOW accounts, and certificates of deposit. Its loan products include one- to four-family residential real estate loans, home equity loans and lines of credit, commercial real estate loans, construction loans, and consumer loans. The company also provides online and mobile banking services; and buys, sells, and holds investment securities. It serves individuals, families, and businesses through a full-service banking office in Melrose, Massachusetts. Melrose Bancorp, Inc. was founded in 1890 and is based in Melrose, Massachusetts.

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