Analyzing Standard Chartered (SCBFF) and CoBiz Financial (COBZ)
Standard Chartered (NASDAQ: COBZ) and CoBiz Financial (NASDAQ:COBZ) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, earnings, institutional ownership, valuation and dividends.
This table compares Standard Chartered and CoBiz Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
CoBiz Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Standard Chartered does not pay a dividend. CoBiz Financial pays out 42.1% of its earnings in the form of a dividend. CoBiz Financial has increased its dividend for 6 consecutive years.
Volatility & Risk
Standard Chartered has a beta of 1.52, meaning that its share price is 52% more volatile than the S&P 500. Comparatively, CoBiz Financial has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500.
Valuation and Earnings
This table compares Standard Chartered and CoBiz Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Standard Chartered||$20.68 billion||1.29||$1.22 billion||$0.46||17.52|
|CoBiz Financial||$177.19 million||5.54||$32.91 million||$0.95||24.39|
Standard Chartered has higher revenue and earnings than CoBiz Financial. Standard Chartered is trading at a lower price-to-earnings ratio than CoBiz Financial, indicating that it is currently the more affordable of the two stocks.
This is a summary of current ratings and price targets for Standard Chartered and CoBiz Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
CoBiz Financial has a consensus price target of $20.25, suggesting a potential downside of 12.60%. Given CoBiz Financial’s higher probable upside, analysts clearly believe CoBiz Financial is more favorable than Standard Chartered.
Institutional and Insider Ownership
79.1% of CoBiz Financial shares are owned by institutional investors. 9.5% of CoBiz Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
CoBiz Financial beats Standard Chartered on 10 of the 16 factors compared between the two stocks.
Standard Chartered Company Profile
Standard Chartered PLC provides various banking products and services in the Greater China and North Asia, ASEAN and South Asia, Africa and the Middle East, and Europe and America. The company operates in four segments: Corporate & Institutional Banking, Private Banking, Commercial Banking, and Retail Banking. It offers personal banking products and services, including savings and accounts; personal, instalment, or revolving loans; mortgages; credit cards; life, savings and retirement planning, health and medical, home, motor, and travel insurance products; investment advisory services; retail FX products; mutual funds; and employee banking services. The company also provides business banking products and services, such as transaction banking comprising cash management, trade finance, and securities services; financial market solutions to meet risk management, financing, and investment needs; wealth management; and corporate finance services consisting of project and export, structured trade, leveraged, structured, and principal finance solutions, as well as mergers and acquisitions advisory services. Its business banking products and services also include renminbi services; small and medium enterprises banking services, such as business expansion and protection, and working capital; and Islamic business banking products and services. In addition, the company offers private, online, and mobile banking services. It serves large corporations, financial institutions, governments, high net worth individuals, small businesses, mid-sized companies, and individuals. The company operates approximately 1,026 branches and outlets in 63 markets. Standard Chartered PLC was founded in 1853 and is headquartered in London, the United Kingdom.
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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