Head-To-Head Analysis: Carolina Bank Holding Inc. (NC) (CLBH) and Comerica (CMA)
Carolina Bank Holding Inc. (NC) (NASDAQ: CLBH) and Comerica (NYSE:CMA) are both financials companies, but which is the better investment? We will compare the two companies based on the strength of their risk, dividends, analyst recommendations, institutional ownership, valuation, earnings and profitability.
Comerica pays an annual dividend of $1.20 per share and has a dividend yield of 1.5%. Carolina Bank Holding Inc. (NC) does not pay a dividend. Comerica pays out 27.1% of its earnings in the form of a dividend. Carolina Bank Holding Inc. (NC) has increased its dividend for 5 consecutive years.
Volatility & Risk
Carolina Bank Holding Inc. (NC) has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Comerica has a beta of 1.51, meaning that its share price is 51% more volatile than the S&P 500.
Earnings & Valuation
This table compares Carolina Bank Holding Inc. (NC) and Comerica’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Carolina Bank Holding Inc. (NC)||N/A||N/A||N/A||$0.99||28.27|
|Comerica||$2.97 billion||4.66||$767.50 million||$4.42||18.05|
Comerica has higher revenue and earnings than Carolina Bank Holding Inc. (NC). Comerica is trading at a lower price-to-earnings ratio than Carolina Bank Holding Inc. (NC), indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
48.9% of Carolina Bank Holding Inc. (NC) shares are owned by institutional investors. Comparatively, 82.5% of Comerica shares are owned by institutional investors. 10.8% of Carolina Bank Holding Inc. (NC) shares are owned by insiders. Comparatively, 1.1% of Comerica shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
This table compares Carolina Bank Holding Inc. (NC) and Comerica’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Carolina Bank Holding Inc. (NC)||14.33%||7.32%||0.68%|
This is a summary of current recommendations for Carolina Bank Holding Inc. (NC) and Comerica, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Carolina Bank Holding Inc. (NC)||0||0||0||0||N/A|
Comerica has a consensus price target of $77.47, indicating a potential downside of 2.90%. Given Comerica’s higher possible upside, analysts clearly believe Comerica is more favorable than Carolina Bank Holding Inc. (NC).
Comerica beats Carolina Bank Holding Inc. (NC) on 10 of the 13 factors compared between the two stocks.
About Carolina Bank Holding Inc. (NC)
Carolina Bank Holdings, Inc. is a bank holding company of the Carolina Bank (the Bank). The Bank engages in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. The Company operates through three segments: the Commercial/Retail Bank, the Mortgage Banking Division and the Holding Company. The Bank’s operations are commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived from customers in its geographic market. It provides commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, individual retirement accounts and related business and individual banking services. It offers loans, which include construction and development loans, commercial real estate loans, home equity lines, residential real estate loans, commercial and industrial loans, and consumer and other loans.
Comerica Incorporated is a financial services company. The Company’s principal activity is lending to and accepting deposits from businesses and individuals. The Company’s segments include the Business Bank, the Retail Bank, Wealth Management, Finance and Other. The Business Bank serves middle market businesses, multinational corporations and governmental entities by offering various products and services, including commercial loans and lines of credit, deposits, cash management, capital market products, international trade finance, letters of credit, foreign exchange management services and loan syndication services. The Retail Bank includes small business banking and personal financial services, consisting of consumer lending, consumer deposit gathering and mortgage loan origination. The Wealth Management segment offers products and services consisting of fiduciary services, private banking, retirement services, investment advisory services, investment banking and brokerage services.
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