Head-To-Head Survey: Community Financial Corp(Maryland) (NASDAQ:TCFC) and Level One Bancorp (NASDAQ:LEVL)

Community Financial Corp(Maryland) (NASDAQ:TCFC) and Level One Bancorp (NASDAQ:LEVL) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, risk, valuation, dividends, profitability, analyst recommendations and institutional ownership.

Institutional and Insider Ownership

31.2% of Community Financial Corp(Maryland) shares are held by institutional investors. Comparatively, 49.5% of Level One Bancorp shares are held by institutional investors. 11.0% of Community Financial Corp(Maryland) shares are held by company insiders. Comparatively, 37.9% of Level One Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Dividends

Community Financial Corp(Maryland) pays an annual dividend of $0.50 per share and has a dividend yield of 1.5%. Level One Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 0.6%. Level One Bancorp pays out 8.4% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Community Financial Corp(Maryland) and Level One Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Financial Corp(Maryland) 0 0 0 0 N/A
Level One Bancorp 0 2 1 0 2.33

Level One Bancorp has a consensus price target of $26.50, indicating a potential upside of 2.87%. Given Level One Bancorp’s higher possible upside, analysts plainly believe Level One Bancorp is more favorable than Community Financial Corp(Maryland).

Risk & Volatility

Community Financial Corp(Maryland) has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Level One Bancorp has a beta of 0.85, suggesting that its share price is 15% less volatile than the S&P 500.

Valuation and Earnings

This table compares Community Financial Corp(Maryland) and Level One Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community Financial Corp(Maryland) $69.24 million 2.62 $11.23 million N/A N/A
Level One Bancorp $70.88 million 2.82 $14.39 million $1.91 13.49

Level One Bancorp has higher revenue and earnings than Community Financial Corp(Maryland).

Profitability

This table compares Community Financial Corp(Maryland) and Level One Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community Financial Corp(Maryland) 20.54% 9.68% 0.89%
Level One Bancorp 18.06% 9.24% 0.98%

Summary

Level One Bancorp beats Community Financial Corp(Maryland) on 10 of the 14 factors compared between the two stocks.

Community Financial Corp(Maryland) Company Profile

The Community Financial Corporation operates as the bank holding company for Community Bank of the Chesapeake that provides commercial and retail banking services to individuals and businesses. Its deposit products include savings, money market, demand deposit, IRA, SEP, and time deposit accounts. The company also provides loan products, such as commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, commercial, consumer, and commercial equipment loans. In addition, it offers safe deposit box, night depository, cash vault, automated clearinghouse transaction, wire transfer, automated teller machine (ATM), online and telephone banking, retail and business mobile banking, remote deposit capture, reciprocal deposit, merchant card, credit monitoring, investment, positive pay, payroll, account reconciliation, bill pay, credit card, and lockbox services. As of February 28, 2019, The Community Financial Corporation operated through 12 banking centers in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; and 5 commercial lending centers. It also operates 15 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

Level One Bancorp Company Profile

Level One Bancorp, Inc. operates as a bank holding company for Level One Bank that provides business and consumer financial services in Michigan. It offers a range of deposit services, including checking accounts, NOW accounts, savings, other time deposits, certificates of deposit, and specialty deposit accounts. The company also provides lending products and related services comprising commercial mortgages; commercial and industrial loans with lines of credit, term loans, and owner occupied mortgages to small businesses; loans under the SBA lending program; residential real estate loans; construction and land development loans; and consumer loans, including home equity loans and automobile loans, as well as credit card services. In addition, it offers cash management services, treasury management services, and mobile banking services. The company serves individuals, owner-managed businesses, professional firms, real estate professionals, and not-for-profit businesses. It operate through 14 offices, including 12 full-service banking centers located in southeastern Michigan; and a mortgage loan production office in Ann Arbor, Michigan. Level One Bancorp, Inc. was founded in 2007 and is headquartered in Farmington Hills, Michigan.

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