Chiba Bank (OTCMKTS:CHBAY – Get Free Report) and Dime Community Bancshares (NASDAQ:DCOM – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, earnings, profitability, institutional ownership, dividends, analyst recommendations and valuation.
Institutional & Insider Ownership
75.3% of Dime Community Bancshares shares are owned by institutional investors. 7.4% of Dime Community Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Valuation & Earnings
This table compares Chiba Bank and Dime Community Bancshares”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chiba Bank | $2.96 billion | 4.73 | $620.82 million | $4.72 | 19.12 |
| Dime Community Bancshares | $489.44 million | 3.57 | $110.68 million | $2.77 | 14.27 |
Chiba Bank has higher revenue and earnings than Dime Community Bancshares. Dime Community Bancshares is trading at a lower price-to-earnings ratio than Chiba Bank, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of recent recommendations for Chiba Bank and Dime Community Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chiba Bank | 0 | 1 | 0 | 0 | 2.00 |
| Dime Community Bancshares | 0 | 2 | 3 | 1 | 2.83 |
Dime Community Bancshares has a consensus price target of $39.75, suggesting a potential upside of 0.58%. Given Dime Community Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Dime Community Bancshares is more favorable than Chiba Bank.
Risk & Volatility
Chiba Bank has a beta of 0.15, suggesting that its share price is 85% less volatile than the S&P 500. Comparatively, Dime Community Bancshares has a beta of 0.99, suggesting that its share price is 1% less volatile than the S&P 500.
Dividends
Chiba Bank pays an annual dividend of $1.23 per share and has a dividend yield of 1.4%. Dime Community Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.5%. Chiba Bank pays out 26.1% of its earnings in the form of a dividend. Dime Community Bancshares 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. Dime Community Bancshares has raised its dividend for 2 consecutive years. Dime Community Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Profitability
This table compares Chiba Bank and Dime Community Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chiba Bank | 20.96% | 8.25% | 0.49% |
| Dime Community Bancshares | 15.15% | 9.12% | 0.83% |
Summary
Dime Community Bancshares beats Chiba Bank on 11 of the 18 factors compared between the two stocks.
About Chiba Bank
The Chiba Bank, Ltd., together with its subsidiaries, provides banking products and services in Japan and internationally. The company offers various deposit products, including savings, time deposits, currency deposits, investment trusts, bonds, and pensions; loans, which include mortgages, renovation loans, photovoltaic, vehicle, education, and other loan products; and insurance products, such as annuity, life, medical, student, death, and travel insurance. It also offers debit and credit cards, as well as internet banking services. In addition, the company engages in securities, investment management and advisory, software development, commissioned computation tasks, research and investigation of IT and financial technologies, leasing, operation, and management of investment funds, mergers and acquisition advisory, credit guarantee businesses, management and collection of claims businesses. Further, it provides loan guarantees and fee collection services; accounting, general administration entrustment, and temporary staff services; and is involved in outsourcing of operational business. Additionally, it rents and maintains office buildings and welfare facilities; provides research, survey, and consulting services; purchases and sells supplies and consumer goods; and engages in renewable energy generation. The company serves individuals and corporations. The Chiba Bank, Ltd. was incorporated in 1943 and is headquartered in Chiba City, Japan.
About Dime Community Bancshares
Dime Community Bancshares, Inc. operates as the holding company for Dime Community Bank that engages in the provision of various commercial banking and financial services. The company accepts time, savings, and demand deposits from the businesses, consumers, and local municipalities. It also offers commercial real estate loans; multi-family mortgage loans; residential mortgage loans; letters of credit; secured and unsecured commercial and consumer loans; lines of credit; home equity loans; and construction and land loans. In addition, the company invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association, and Federal Home Loan Mortgage Corporation mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities; U.S. Treasury securities; New York state and local municipal obligations; U.S. government-sponsored enterprise securities; and corporate bonds. Further, it offers certificate of deposit account registry services and insured cash sweep programs; federal deposit insurance corporation insurance; merchant credit and debit card processing, automated teller machines, cash management services, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, and individual retirement accounts; investment products and services through a third-party broker dealer; and title insurance broker services for small and medium sized businesses, and municipal and consumer relationships. The company was founded in 1910 and is headquartered in Hauppauge, New York.
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