Signature Bank (NASDAQ:SBNY) and BK OF SANTA CLA/SH (OTCMKTS:BSCA) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, dividends, risk and earnings.
This is a breakdown of current ratings and price targets for Signature Bank and BK OF SANTA CLA/SH, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|BK OF SANTA CLA/SH||0||0||0||0||N/A|
Signature Bank presently has a consensus target price of $141.33, suggesting a potential upside of 5.11%. Given Signature Bank’s higher probable upside, equities research analysts clearly believe Signature Bank is more favorable than BK OF SANTA CLA/SH.
Earnings and Valuation
This table compares Signature Bank and BK OF SANTA CLA/SH’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Signature Bank||$1.73 billion||4.27||$505.34 million||$11.28||11.92|
|BK OF SANTA CLA/SH||N/A||N/A||N/A||N/A||N/A|
Signature Bank has higher revenue and earnings than BK OF SANTA CLA/SH.
Signature Bank pays an annual dividend of $2.24 per share and has a dividend yield of 1.7%. BK OF SANTA CLA/SH does not pay a dividend. Signature Bank pays out 19.9% of its earnings in the form of a dividend.
Volatility & Risk
Signature Bank has a beta of 1.38, suggesting that its stock price is 38% more volatile than the S&P 500. Comparatively, BK OF SANTA CLA/SH has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.
This table compares Signature Bank and BK OF SANTA CLA/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|BK OF SANTA CLA/SH||N/A||N/A||N/A|
Insider and Institutional Ownership
93.0% of Signature Bank shares are held by institutional investors. Comparatively, 4.2% of BK OF SANTA CLA/SH shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Signature Bank beats BK OF SANTA CLA/SH on 9 of the 10 factors compared between the two stocks.
About Signature Bank
Signature Bank provides various business and personal banking products and services. It accepts various deposit products, including commercial checking accounts, money market accounts, escrow deposit accounts, cash concentration accounts, interest-bearing and non-interest-bearing checking accounts, certificates of deposit, time deposits, and other cash management products. The company also offers loan products comprising commercial and industrial loans; real estate loans, such as loans secured by commercial and residential properties, and construction and land loans; temporary financing for commercial and residential properties; letters of credit; and personal lines of credit and loans to acquire personal assets, as well as asset-based lending, mortgages, home equity loans, and credit card accounts. In addition, it provides investment, brokerage, and asset management products and services; retirement products, such as individual retirement accounts and administrative services for retirement vehicles, which include pension, profit sharing, and 401(k) plans to its clients, as well as business retirement accounts; and a range of financing and leasing products consisting of equipment, transportation, taxi medallion, commercial marine, and municipal and national franchise financing services. Further, the company offers wealth management services to its high net worth personal clients; and a range of individual and group insurance products that comprise health, life, disability, and long-term care insurance products as an agent. Additionally, it purchases, securitizes, and sells guaranteed portions of the U.S. small business administration loans. As of December 31, 2017, the company operated 30 private client offices located in the New York metropolitan area, which included Manhattan, Brooklyn, Westchester, Long Island, Queens, the Bronx, Staten Island, and Connecticut. Signature Bank was incorporated in 2000 and is headquartered in New York, New York.
About BK OF SANTA CLA/SH
Bank of Santa Clarita, a community oriented commercial bank, provides various business and personal banking services for small-to-medium size businesses, professionals, entrepreneurs, and high-net worth clients in Santa Clarita and surrounding communities in California. The company offers business and personal checking accounts, savings accounts, certificates of deposit, money market accounts, certificates of deposit account registry services, insured cash sweep accounts, and retirement savings accounts. It also provides business loans comprising revolving lines of credit, term loans, small business administration loans, equipment and vehicle financing, and letters of credit, as well as real estate loans, such as land loans, construction financing, and commercial real estate loans. In addition, the company offers consumer loans, including lines of credit, unsecured and secured personal loans, car loans, and construction financing. Further, it provides bill pay, online banking, remote deposit, wire transfers, courier, merchant, and quick books/Web connect services; ATM/check, VISA, and debit cards; and reorder personal checks. The company was founded in 2004 and is headquartered in Santa Clarita, California.
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