Emclaire Financial (NASDAQ:EMCF – Get Rating) and Old Point Financial (NASDAQ:OPOF – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, profitability, analyst recommendations, valuation, risk, dividends and institutional ownership.
Dividends
Emclaire Financial pays an annual dividend of $1.24 per share and has a dividend yield of 3.8%. Old Point Financial pays an annual dividend of $0.52 per share and has a dividend yield of 2.1%. Emclaire Financial pays out 33.7% of its earnings in the form of a dividend. Old Point Financial pays out 36.1% 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. Emclaire Financial has increased its dividend for 10 consecutive years and Old Point Financial has increased its dividend for 1 consecutive years. Emclaire Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Get Emclaire Financial alerts:Risk & Volatility
Emclaire Financial has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500.
Insider and Institutional Ownership
14.3% of Emclaire Financial shares are owned by institutional investors. Comparatively, 37.7% of Old Point Financial shares are owned by institutional investors. 15.5% of Emclaire Financial shares are owned by insiders. Comparatively, 16.2% of Old Point Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.Profitability
This table compares Emclaire Financial and Old Point Financial's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Emclaire Financial | 25.57% | 12.79% | 0.98% |
| Old Point Financial | 13.92% | 7.69% | 0.62% |
Earnings & Valuation
This table compares Emclaire Financial and Old Point Financial's top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Emclaire Financial | $41.17 million | 2.16 | $10.17 million | $3.68 | 8.83 |
| Old Point Financial | $57.14 million | 2.21 | $8.44 million | $1.44 | 17.53 |
Emclaire Financial has higher earnings, but lower revenue 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.
Analyst Recommendations
This is a summary of current recommendations for Emclaire Financial and Old Point Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Emclaire Financial | 0 | 0 | 0 | 0 | N/A |
| Old Point Financial | 0 | 0 | 0 | 0 | N/A |
Summary
Emclaire Financial beats Old Point Financial on 8 of the 14 factors compared between the two stocks.
About Emclaire Financial
(Get Rating)
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.
About Old Point Financial
(Get Rating)
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.
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