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Comparing Old Point Financial (NASDAQ:OPOF) and Emclaire Financial (NASDAQ:EMCF)

Comparing Old Point Financial (NASDAQ:OPOF) and Emclaire Financial (NASDAQ:EMCF)

比較舊點金融(納斯達克:OPF)和基金克萊爾金融(納斯達克:EMCF)
Financial News Live ·  2022/12/13 22:32

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

老點金融(納斯達克:OPOF-GET Rating)和安克萊爾金融(納斯達克:EMCF-GET Rating)都是小盤金融公司,但哪一家是優勢投資?我們將根據這兩家公司的機構所有權、分析師建議、收益、估值、風險、盈利能力和股息的實力進行比較。

Volatility and Risk

波動性和風險

Old Point Financial has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Emclaire Financial has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500.

Old Point Financial的貝塔係數為0.45,這意味着其股價的波動性比標準普爾500指數低55%。相比之下,Emclaire Financial的貝塔係數為0.28,這意味着其股價的波動性比標準普爾500指數低72%。

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Analyst Ratings

分析師評級

This is a breakdown of recent ratings and target prices for Old Point Financial and Emclaire Financial, as provided by MarketBeat.com.

這是由MarketBeat.com提供的Old Point Financial和Emclaire Financial最近的評級和目標價格細目。

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Old Point Financial 0 0 0 0 N/A
Emclaire 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
Old Point Financial 0 0 0 0 不適用
安克萊爾金融 0 0 0 0 不適用

Valuation & Earnings

估值與收益

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

此表比較了Old Point Financial和Emclaire 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
Old Point Financial $57.14 million 2.11 $8.44 million $1.44 16.72
Emclaire Financial $41.17 million 2.20 $10.17 million $3.68 8.99
總收入 價格/銷售額比 淨收入 每股收益 市盈率
Old Point Financial 5714萬美元 2.11 844萬美元 $1.44 16.72
安克萊爾金融 4,117萬美元 2.20 1017萬美元 $3.68 8.99

Emclaire Financial has lower revenue, but higher earnings than Old Point Financial. Emclaire Financial 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.

Emclaire Financial的收入低於Old Point Financial,但收益高於Old Point Financial。Emclaire Financial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。

Profitability

盈利能力

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

此表比較了Old Point Financial和Emclaire 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
Old Point Financial 13.92% 7.69% 0.62%
Emclaire Financial 25.57% 12.79% 0.98%
淨利潤率 股本回報率 資產回報率
Old Point Financial 13.92% 7.69% 0.62%
安克萊爾金融 25.57% 12.79% 0.98%

Dividends

分紅

Old Point Financial pays an annual dividend of $0.52 per share and has a dividend yield of 2.2%. Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.7%. Old Point Financial pays out 36.1% of its earnings in the form of a dividend. Emclaire Financial pays out 33.7% 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. Old Point Financial has raised its dividend for 1 consecutive years and Emclaire Financial has raised its dividend for 10 consecutive years. Emclaire Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Old Point Financial的年度股息為每股0.52美元,股息率為2.2%。Emclaire Financial的年度股息為每股1.24美元,股息率為3.7%。Old Point Financial以股息的形式支付其收益的36.1%。Emclaire Financial以股息的形式支付其收益的33.7%。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。Old Point Financial連續1年上調股息,Emclaire Financial連續10年上調股息。Emclaire Financial顯然是更好的股息股票,因為它有更高的收益率和更長的股息增長記錄。

Insider and Institutional Ownership

內部人與機構持股

37.7% of Old Point Financial shares are held by institutional investors. Comparatively, 14.3% of Emclaire Financial shares are held by institutional investors. 16.2% of Old Point Financial shares are held by company insiders. Comparatively, 15.5% of Emclaire Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

機構投資者持有Old Point Financial 37.7%的股份。相比之下,機構投資者持有Emclaire Financial 14.3%的股份。Old Point Financial 16.2%的股份由公司內部人士持有。相比之下,Emclaire Financial 15.5%的股份由公司內部人士持有。強大的機構持股表明,捐贈基金、大型基金管理公司和對衝基金相信,一家公司有望實現長期增長。

Summary

摘要

Emclaire Financial beats Old Point Financial on 9 of the 14 factors compared between the two stocks.

Emclaire Financial在兩隻股票比較的14個因素中有9個擊敗了Old Point Financial。

About Old Point Financial

關於Old Point Financial

(Get Rating)

(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。

About Emclaire Financial

關於Emclaire Financial

(Get Rating)

(獲取評級)

Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, consumer loans, and loans to one borrower. The company operates a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, and Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

Emclaire Financial Corp是Emlenton農民國民銀行的銀行控股公司,向賓夕法尼亞州西部的個人和企業提供零售和商業金融產品和服務。該公司的存款產品包括支票、儲蓄和定期憑證賬户;儲蓄和定期存款;無息和有息活期存款賬户;以及貨幣市場賬户。其貸款組合包括一至四筆家庭抵押貸款、房屋淨值貸款、商業商業和商業房地產貸款、消費貸款以及向一名借款人發放的貸款。該公司在維南戈、阿勒格尼、巴特勒、克拉里昂、克利爾菲爾德、克勞福德、埃爾克、傑斐遜、美瑟縣和賓夕法尼亞州經營着19個零售分支機構。該公司成立於1900年,總部設在賓夕法尼亞州的埃姆倫頓。

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