Dacotah Banks (OTCMKTS:DBIN – Get Rating) and Partners Bancorp (NASDAQ:PTRS – Get Rating) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, dividends, institutional ownership, profitability, valuation, analyst recommendations and risk.
Institutional & Insider Ownership
0.3% of Dacotah Banks shares are held by institutional investors. Comparatively, 12.1% of Partners Bancorp shares are held by institutional investors. 45.0% of Partners Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Dividends
Dacotah Banks pays an annual dividend of $0.70 per share and has a dividend yield of 2.0%. Partners Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 2.6%. Partners Bancorp pays out 19.3% of its earnings in the form of a dividend. Partners Bancorp has raised its dividend for 1 consecutive years. Partners Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Risk and Volatility
Analyst Recommendations
This is a summary of recent ratings and target prices for Dacotah Banks and Partners Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Dacotah Banks | 0 | 0 | 0 | 0 | N/A |
| Partners Bancorp | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Dacotah Banks and Partners Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Dacotah Banks | N/A | N/A | N/A |
| Partners Bancorp | 20.56% | 10.80% | 0.92% |
Earnings & Valuation
This table compares Dacotah Banks and Partners Bancorp’s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Dacotah Banks | N/A | N/A | N/A | N/A | N/A |
| Partners Bancorp | $67.86 million | 1.61 | $13.61 million | $0.83 | 7.33 |
Partners Bancorp has higher revenue and earnings than Dacotah Banks.
Summary
Partners Bancorp beats Dacotah Banks on 8 of the 10 factors compared between the two stocks.
About Dacotah Banks
Dacotah Banks, Inc. provides various banking and financial products and services to individuals and businesses. The company provides demand and certificates of deposit; and checking, individual retirement, and money market accounts. It also offers vehicle, boat, motorhome, mortgage, camper, motorcycle, snowmobile, jet SKI, and ATV loans; and unsecured, overdraft protection, and student loans; line of credit, small business administration loans, and other loans. In addition, the company provides credit, debit, and gift cards; and personal insurance, personal investment, wealth management, estate, and trust services. Further, it offers retirement planning, investment management, foundation, endowment, bill paying, and elder care services, as well as cash management and merchant solutions. Additionally, the company provides leasing services, as well as estate planning and estate settlement services. Furthermore, the company offers operating lines of credit, real estate loans, and equipment loans and leases. It also provides crop, homeowner, health, life, farm, and ranch insurance services. It operates across various locations in Minnesota, North Dakota, and South Dakota. Dacotah Banks, Inc. was founded in 1955 and is headquartered in Aberdeen, South Dakota.
About Partners Bancorp
Partners Bancorp is a bank holding company, which engages in the provision of financial services to individuals and corporate customers. It offers commercial banking operations in Maryland and Virginia. The company was founded on January 6, 1988 and is headquartered in Salisbury, MD.
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