正面評論：一角社區銀行股份(納斯達克：DCOM)與老點金融(納斯達克：OPOF)

2022-07-07 13:21

迪募社區銀行(DCOM) 0
Old Point金融(OPOF) 0

Dime Community Bancshares (NASDAQ:DCOM – Get Rating) and Old Point Financial (NASDAQ:OPOF – Get Rating) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, profitability, risk, institutional ownership, analyst recommendations, earnings and dividends.

納斯達克：Dcom-Get Rating和老點金融(納斯達克：Opof-Get Rating)都是小盤股金融公司，但哪種投資更好？我們將根據這兩家公司的估值、盈利能力、風險、機構所有權、分析師建議、收益和股息等方面的實力進行比較。

Valuation & Earnings

估值與收益

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到達

Dime Community Bancshares

一角錢社區銀行股

alerts:

警報：

This table compares Dime Community Bancshares and Old Point Financial's top-line revenue, earnings per share (EPS) and valuation.

此表比較了DIME Community BancShares和Old Point Financial的營收、每股收益(EPS)和估值。

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dime Community Bancshares	$426.69 million	2.79	$104.00 million	$3.73	8.12
Old Point Financial	$57.14 million	2.21	$8.44 million	$1.42	17.45

	總收入	價格/銷售額比	淨收入	每股收益	市盈率
一角錢社區銀行股	4.2669億美元	2.79	1.04億美元	$3.73	8.12
Old Point Financial	5714萬美元	2.21	844萬美元	$1.42	17.45

Dime Community Bancshares has higher revenue and earnings than Old Point Financial. Dime Community Bancshares is trading at a lower price-to-earnings ratio than Old Point Financial, indicating that it is currently the more affordable of the two stocks.

Dime Community BancShares的收入和收益比Old Point Financial更高。Dime Community BancShares的市盈率低於Old Point Financial，表明它目前是兩隻股票中更負擔得起的一隻。

Volatility and Risk

波動性和風險

Dime Community Bancshares has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500.

DIME Community BancShares的貝塔係數為1.04，表明其股價的波動性比標準普爾500指數高出4%。相比之下，Old Point Financial的貝塔係數為0.76，表明其股價的波動性比標準普爾500指數低24%。

Analyst Recommendations

分析師建議

This is a summary of current ratings and price targets for Dime Community Bancshares and Old Point Financial, as provided by MarketBeat.com.

這是MarketBeat.com提供的DIME Community BancShares和Old Point Financial的當前評級和目標價摘要。

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dime Community Bancshares	0	1	1	0	2.50
Old Point Financial	0	0	0	0	N/A

	銷售評級	保持評級	購買評級	強勁的買入評級	評級分數
一角錢社區銀行股	0	1	1	0	2.50
Old Point Financial	0	0	0	0	不適用

Dime Community Bancshares presently has a consensus price target of $35.75, indicating a potential upside of 17.99%. Given Dime Community Bancshares' higher probable upside, research analysts plainly believe Dime Community Bancshares is more favorable than Old Point Financial.

Dme Community BancShares目前的共識目標價為35.75美元，表明潛在漲幅為17.99%。考慮到DIME社區銀行股更有可能上行，研究分析師顯然認為DIME社區銀行股比Old Point Financial更有利。

Insider and Institutional Ownership

內部人與機構持股

72.3% of Dime Community Bancshares shares are held by institutional investors. Comparatively, 32.6% of Old Point Financial shares are held by institutional investors. 15.3% of Dime Community Bancshares shares are held by company insiders. Comparatively, 16.2% of Old Point Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

機構投資者持有72.3%的DIME Community BancShares股份。相比之下，Old Point Financial 32.6%的股份由機構投資者持有。迪姆社區銀行15.3%的股份由公司內部人士持有。相比之下，Old Point Financial 16.2%的股份由公司內部人士持有。強大的機構持股表明，大型基金管理公司、捐贈基金和對衝基金相信，一隻股票的長期表現將好於大盤。

Profitability

盈利能力

This table compares Dime Community Bancshares and Old Point Financial's net margins, return on equity and return on assets.

此表比較了DIME Community BancShares和Old Point Financial的淨利潤率、股本回報率和資產回報率。

	Net Margins	Return on Equity	Return on Assets
Dime Community Bancshares	35.58%	14.40%	1.25%
Old Point Financial	13.32%	6.35%	0.57%

	淨利潤率	股本回報率	資產回報率
一角錢社區銀行股	35.58%	14.40%	1.25%
Old Point Financial	13.32%	6.35%	0.57%

Dividends

分紅

Dime Community Bancshares pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. Old Point Financial pays an annual dividend of $0.52 per share and has a dividend yield of 2.1%. Dime Community Bancshares pays out 25.7% of its earnings in the form of a dividend. Old Point Financial pays out 36.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Dime Community Bancshares has increased its dividend for 1 consecutive years and Old Point Financial has increased its dividend for 1 consecutive years. Dime Community Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Dime Community BancShares的年度股息為每股0.96美元，股息率為3.2%。Old Point Financial的年度股息為每股0.52美元，股息率為2.1%。Dime Community BancShares以股息的形式支付其收益的25.7%。Old Point Financial以股息的形式支付其收益的36.6%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。Dime Community BancShares連續1年增加股息，Old Point Financial連續1年增加股息。鑑於其較高的收益率和較低的派息率，DIME Community BancShares顯然是更好的股息股票。

Summary

摘要

Dime Community Bancshares beats Old Point Financial on 13 of the 15 factors compared between the two stocks.

Dme Community BancShares在兩隻股票之間進行比較的15個因素中，有13個超過了Old Point Financial。

Dime Community Bancshares Company Profile (Get Rating)

DIME社區銀行股份公司簡介(獲取評級)

Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that provides various commercial banking and financial services. It accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. The company also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, the company offers certificate of deposit account registry services and insured cash sweep programs; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services. As of December 31, 2021, it operated 60 branch locations throughout Long Island and the New York City boroughs of Brooklyn, Queens, Manhattan, and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.

DIME社區銀行股份有限公司是DIME社區銀行的控股公司，提供各種商業銀行和金融服務。它接受來自企業、消費者和當地市政當局的定期、儲蓄和活期存款。該公司還提供商業房地產貸款；多户抵押貸款；住宅抵押貸款；有擔保和無擔保的商業和消費貸款；房屋淨值貸款；以及建築和土地貸款。此外，它還投資於聯邦住房貸款銀行、聯邦全國抵押貸款協會、政府全國抵押貸款協會和聯邦住房貸款抵押貸款公司抵押貸款支持證券、抵押貸款債券和其他資產支持證券；美國國債；紐約州和地方市政債券；美國政府支持的企業證券；以及公司債券。此外，該公司還提供存單賬户登記服務和有保險的現金清掃計劃；商户信用卡和借記卡處理、自動櫃員機、現金管理服務、鎖箱處理、網上銀行服務、遠程存款捕獲、保險箱和個人退休賬户；通過第三方經紀交易商提供的投資產品和服務；以及產權保險經紀服務。截至2021年12月31日，它在長島和紐約市布魯克林、皇后區、曼哈頓和布朗克斯等區經營着60個分支機構。DIME Community BancShares，Inc.成立於1910年，總部設在紐約哈帕克。

Old Point Financial Company Profile (Get Rating)

Old Point Financial公司簡介(獲取評級)

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.

Old Point金融公司是老點國家銀行的銀行控股公司，該銀行為弗吉尼亞州的個人和商業客户提供消費、抵押和商業銀行服務。該公司提供存款產品，包括計息交易賬户、貨幣市場存款賬户、儲蓄賬户、定期存款和活期存款。它還提供房地產建設、商業和抵押貸款，如住宅1-4户抵押貸款、多户和二次抵押貸款、股權信用額度；以及其他貸款和現金管理服務。此外，該公司還提供退休計劃、遺產規劃、財務規劃、遺產和信託管理、退休計劃管理、税務和投資管理服務，以及保險產品和財富管理服務。它在漢普頓道路地區經營着14家分行，這些地區包括漢普頓、紐波特新聞、諾福克、弗吉尼亞海灘、切薩皮克、威廉斯堡/詹姆斯城縣、約克縣和鬼魂島；在弗吉尼亞州里士滿有一個貸款製作辦公室；在北卡羅來納州夏洛特有一個抵押貸款發放辦公室。該公司成立於1922年，總部設在弗吉尼亞州漢普頓。

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正面評論：一角社區銀行股份(納斯達克：DCOM)與老點金融(納斯達克：OPOF)

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