Contrasting Brookline Bancorp (NASDAQ:BRKL) & FFD Financial (NASDAQ:FFDF)

Brookline Bancorp (NASDAQ:BRKL) and FFD Financial (OTCMKTS:FFDF) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, profitability, valuation, risk, dividends and analyst recommendations.

Institutional and Insider Ownership

79.8% of Brookline Bancorp shares are held by institutional investors. Comparatively, 2.0% of FFD Financial shares are held by institutional investors. 2.5% of Brookline Bancorp shares are held by company insiders. Comparatively, 11.5% of FFD Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Brookline Bancorp and FFD Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Brookline Bancorp 23.28% 9.63% 1.16%
FFD Financial N/A N/A N/A

Dividends

Brookline Bancorp pays an annual dividend of $0.46 per share and has a dividend yield of 2.9%. FFD Financial pays an annual dividend of $1.90 per share and has a dividend yield of 3.0%. Brookline Bancorp pays out 43.0% of its earnings in the form of a dividend.

Valuation & Earnings

This table compares Brookline Bancorp and FFD Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Brookline Bancorp $339.12 million 3.78 $83.06 million $1.07 15.00
FFD Financial $19.27 million 3.27 $6.32 million N/A N/A

Brookline Bancorp has higher revenue and earnings than FFD Financial.

Analyst Recommendations

This is a summary of current recommendations for Brookline Bancorp and FFD Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Brookline Bancorp 0 4 1 0 2.20
FFD Financial 0 0 0 0 N/A

Brookline Bancorp presently has a consensus price target of $16.67, indicating a potential upside of 3.84%. Given Brookline Bancorp’s higher probable upside, equities research analysts clearly believe Brookline Bancorp is more favorable than FFD Financial.

Volatility and Risk

Brookline Bancorp has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500. Comparatively, FFD Financial has a beta of 0.05, suggesting that its share price is 95% less volatile than the S&P 500.

Summary

Brookline Bancorp beats FFD Financial on 10 of the 13 factors compared between the two stocks.

Brookline Bancorp Company Profile

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank, Bank Rhode Island, First Ipswich Bank, and Brookline Securities Corp that provide commercial, business, and retail banking services to corporate, municipal, and retail customers in the United States. Its deposit products include non-interest-bearing demand checking accounts, NOW accounts, savings accounts, and money market accounts, as well as commercial, municipal, and retail deposits. The company's loan portfolio primarily comprises first mortgage loans secured by commercial, multi-family, and residential real estate properties; loans to business entities comprising commercial lines of credit; loans to condominium associations; financing for construction and development projects; home equity and other consumer loans; and commercial loans and leases to small and midsized businesses. It also provides term loans, letters of credit, cash management, investment advisory, and online and mobile banking services, as well as invests in debt and equity securities. As of December 31, 2018, the Company operated 51 full-service banking offices in greater Boston, the north shore of Massachusetts, and Rhode Island. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts.

FFD Financial Company Profile

FFD Financial Corporation operates as the holding company for First Federal Community Bank, National Association that provides banking products and services. It offers various deposit products, including checking, savings, money market, health savings, and club accounts, as well as certificates of deposit and individual retirement accounts. The company also provides home mortgage loans, home equity line of credit, auto and boat loans, overdraft protection line of credit, personal loans, business term loans and lines of credit, commercial real estate loans, and equipment loans; and credit and debit cards. In addition, it offers online banking and bill pay, e-statement, overdraft protection, mobile banking, night depository, cash management, wire transfer, safe deposit box, night depository, and teller services. Further, the company through its subsidiary, FFD Risk Management, Inc., provides property and casualty insurance services. It operates branches in Dover, New Philadelphia, Boulevard, Sugarcreek, Berlin, and Mt. Hope. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.

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