Head-To-Head Comparison: Community Bancorp. (VT) (CMTV) vs. First Financial Bancorp (FFBC)

Community Bancorp. (VT) (OTCMKTS:CMTV) and First Financial Bancorp (NASDAQ:FFBC) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, risk, valuation, profitability and institutional ownership.

Insider and Institutional Ownership

76.0% of First Financial Bancorp shares are held by institutional investors. 7.3% of Community Bancorp. (VT) shares are held by company insiders. Comparatively, 3.4% of First Financial Bancorp 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.

Analyst Ratings

This is a summary of current ratings and recommmendations for Community Bancorp. (VT) and First Financial Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Bancorp. (VT) 0 0 0 0 N/A
First Financial Bancorp 1 6 1 0 2.00

First Financial Bancorp has a consensus price target of $29.83, indicating a potential upside of 22.07%. Given First Financial Bancorp’s higher possible upside, analysts plainly believe First Financial Bancorp is more favorable than Community Bancorp. (VT).

Volatility and Risk

Community Bancorp. (VT) has a beta of -0.23, meaning that its share price is 123% less volatile than the S&P 500. Comparatively, First Financial Bancorp has a beta of 1.22, meaning that its share price is 22% more volatile than the S&P 500.

Profitability

This table compares Community Bancorp. (VT) and First Financial Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community Bancorp. (VT) 23.82% 14.43% 1.23%
First Financial Bancorp 26.81% 11.63% 1.62%

Dividends

Community Bancorp. (VT) pays an annual dividend of $0.76 per share and has a dividend yield of 4.6%. First Financial Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.6%. First Financial Bancorp pays out 38.6% of its earnings in the form of a dividend. First Financial Bancorp has raised its dividend for 2 consecutive years.

Earnings and Valuation

This table compares Community Bancorp. (VT) and First Financial Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community Bancorp. (VT) $35.30 million 2.42 $8.40 million N/A N/A
First Financial Bancorp $643.76 million 3.74 $172.60 million $2.28 10.72

First Financial Bancorp has higher revenue and earnings than Community Bancorp. (VT).

Summary

First Financial Bancorp beats Community Bancorp. (VT) on 10 of the 14 factors compared between the two stocks.

About Community Bancorp. (VT)

Community Bancorp. operates as the bank holding company for Community National Bank that provides retail banking services to residents, businesses, nonprofit organizations, and municipalities. The company accepts various deposit products, such as checking accounts, savings programs, certificates of deposit, and other deposit accounts. Its loan products include financing for commercial business properties, equipment, inventories, and accounts receivable, as well as letters of credit; commercial and residential real estate lending; personal, automobile, and boat/recreational vehicle loans; and tax-exempt loans, lines of credit, and term loans. The company also offers debit/credit cards; and cash management, repurchase agreement, automated clearing house, wire transfer, remote deposit capture, and automated teller machine services, as well as online, mobile, and telephone banking services. It operates through a main office in Derby; and 11 branch offices in northeastern and central Vermont. Community Bancorp. was founded in 1851 and is based in Derby, Vermont.

About First Financial Bancorp

First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company accepts various deposit products, such as interest-bearing and noninterest-bearing accounts, time deposits, and cash management services for commercial customers. It also provides real estate loans secured by residential property or commercial property; commercial and industrial loans for various purposes, including inventory, receivables, and equipment; consumer loans comprising new and used vehicle loans, second mortgages on residential real estate, and unsecured loans; and home equity lines of credit. In addition, the company offers commercial financing to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it offers a range of trust and wealth management services; and long-term, lease, and equipment financing services. As of December 31, 2018, the company operated 67 banking centers in Ohio; 3 banking centers in Illinois; 73 banking centers in Indiana; and 16 banking centers in Kentucky. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.

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