Contrasting CoBiz Financial (COBZ) & DNB Financial (NASDAQ:DNBF)

DNB Financial (NASDAQ:DNBF) and CoBiz Financial (NASDAQ:COBZ) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, risk, valuation, profitability and dividends.

Dividends

DNB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 0.7%. CoBiz Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. DNB Financial pays out 11.3% of its earnings in the form of a dividend. CoBiz Financial has raised its dividend for 7 consecutive years. CoBiz Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Ratings

This is a summary of recent recommendations and price targets for DNB Financial and CoBiz Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
DNB Financial 0 0 0 0 N/A
CoBiz Financial 0 5 0 0 2.00

CoBiz Financial has a consensus target price of $18.38, indicating a potential downside of 17.01%. Given CoBiz Financial’s higher possible upside, analysts clearly believe CoBiz Financial is more favorable than DNB Financial.

Insider & Institutional Ownership

31.5% of DNB Financial shares are owned by institutional investors. Comparatively, 78.9% of CoBiz Financial shares are owned by institutional investors. 12.1% of DNB Financial shares are owned by insiders. Comparatively, 9.5% of CoBiz Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares DNB Financial and CoBiz Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
DNB Financial 20.80% 9.96% 0.95%
CoBiz Financial N/A N/A N/A

Valuation & Earnings

This table compares DNB Financial and CoBiz Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
DNB Financial $51.37 million 3.26 $10.68 million $2.48 15.58
CoBiz Financial N/A N/A N/A N/A N/A

DNB Financial has higher revenue and earnings than CoBiz Financial.

DNB Financial Company Profile

DNB Financial Corporation operates as the bank holding company for DNB First, National Association that provides a range of commercial banking products and services to individuals and small to medium sized businesses. The company offers deposit products, including money market, savings, demand, and NOW accounts; and time deposits, as well as certificates of deposit, including IRAs and brokered deposits. It also provides loan products comprising fixed and variable rate loans; funds for the purchase of business property or ventures, working capital lines, small business administration loans, and lease financing for equipment and for various other purposes; and home equity and home mortgages, as well as term loans for the purchase of consumer goods. In addition, it offers cash management, remote capture, Internet banking, letters of credit, and other lending services, as well as commercial sweep accounts; and various investment and insurance products, such as fixed and variable annuities, 401(k) plans and rollovers, stocks, self-directed and managed IRAs, bonds, mutual funds, brokerage, long term care insurance, 529 college savings plans, life insurance, separately managed investment accounts, disability insurance, and self-employed pension plans. Further, the company provides wealth management and trust services to individuals, businesses, and non-profit organizations; investment and fiduciary services, such as investment management, investment advisory, estate settlement, client bill paying, custody, financial planning, corporate trustee/trust administration, and power of attorney and guardian of the estate capacities; and safekeeping and other depository services, as well as securities brokerage and ATM services. It operates through 15 community offices located in Chester, Delaware, and Philadelphia counties, Pennsylvania. The company was founded in 1860 and is based in Downingtown, Pennsylvania.

CoBiz Financial Company Profile

CoBiz Financial Inc., a diversified financial services company, provides various financial products and services in the United States. It operates through Commercial Banking and Fee-Based Lines segments. The Commercial Banking segment offers commercial, real estate, and private banking services, as well as treasury management, interest-rate hedging, and depository products. The Fee-Based Lines segment provides investment advisory and insurance brokerage services; investment management advisory services to individuals, families, and businesses; and property and casualty, and employee benefit group insurance broker agency services to small- to mid-sized employers, commercial enterprises, and individual lines to their owners. CoBiz Financial Inc. operates 11 locations, including 7 in the Denver metropolitan area, as well as one each in Boulder, Colorado Springs, Fort Collins, and Vail located in Colorado under the Colorado Business Bank name; and 4 locations serving the Phoenix metropolitan area and the surrounding area of Maricopa County in Arizona under the Arizona Business Bank name. The company was formerly known as CoBiz Inc. and changed its name to CoBiz Financial Inc. in May 2007. CoBiz Financial Inc., was founded in 1980 and is headquartered in Denver, Colorado.

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