Associated Banc (ASB) and Select Bancorp (SLCT) Head-To-Head Analysis
Associated Banc (NYSE: ASB) and Select Bancorp (NASDAQ:SLCT) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, earnings, dividends, institutional ownership, valuation, risk and profitability.
Associated Banc pays an annual dividend of $0.48 per share and has a dividend yield of 1.8%. Select Bancorp does not pay a dividend. Associated Banc pays out 32.9% of its earnings in the form of a dividend.
Risk and Volatility
Associated Banc has a beta of 1.2, suggesting that its share price is 20% more volatile than the S&P 500. Comparatively, Select Bancorp has a beta of 0.27, suggesting that its share price is 73% less volatile than the S&P 500.
Valuation and Earnings
This table compares Associated Banc and Select Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Associated Banc||$1.14 billion||3.45||$200.27 million||$1.46||17.88|
|Select Bancorp||$37.93 million||3.69||$6.75 million||$0.58||20.71|
Associated Banc has higher revenue and earnings than Select Bancorp. Associated Banc is trading at a lower price-to-earnings ratio than Select Bancorp, indicating that it is currently the more affordable of the two stocks.
This table compares Associated Banc and Select Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional & Insider Ownership
76.5% of Associated Banc shares are owned by institutional investors. Comparatively, 18.9% of Select Bancorp shares are owned by institutional investors. 1.8% of Associated Banc shares are owned by insiders. Comparatively, 14.2% of Select Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This is a breakdown of recent recommendations and price targets for Associated Banc and Select Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Associated Banc currently has a consensus target price of $25.60, indicating a potential downside of 1.92%. Select Bancorp has a consensus target price of $13.00, indicating a potential upside of 8.24%. Given Select Bancorp’s higher probable upside, analysts clearly believe Select Bancorp is more favorable than Associated Banc.
Associated Banc beats Select Bancorp on 9 of the 14 factors compared between the two stocks.
Associated Banc Company Profile
Associated Banc-Corp is a bank holding company. The Company, through its banking subsidiary Associated Bank, National Association (the Bank) and various nonbanking subsidiaries, provides a range of banking and non-banking products and services to individuals. The Company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business, and Risk Management and Shared Services. The Corporate and Commercial Specialty segment consists of lending and deposit solutions to businesses, developers, not-for-profits, municipalities and financial institutions. The Corporate and Commercial Specialty segment consists of lending and deposit solutions to businesses, developers, not-for-profits, municipalities and financial institutions. The Risk Management and Shared Services segment includes Corporate Risk Management, Credit Administration, Finance, Treasury, Operations and Technology, which are shared functions.
Select Bancorp Company Profile
Select Bancorp, Inc. is the bank holding company for Select Bank & Trust Company (the Bank). The Bank is a commercial bank. The Bank provides commercial and retail financial services to customers located in its market areas. The Bank offers a range of banking services, including checking and savings accounts, commercial, consumer, mortgage and personal loans, and other associated financial services. The Bank’s lending activities are oriented to the consumer/retail customer, as well as to the small-to-medium sized businesses located in central and eastern North Carolina. The Bank offers commercial, consumer and mortgage lending products. It originates construction loans for the purpose of acquisition, development and construction of both residential and commercial properties (ADC loans). The Bank’s deposits include savings, negotiable order of withdrawal (NOW) account and money market deposits, time deposits and non-interest-bearing deposits.
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