Centerstate Bank (OTCMKTS: ISNPY) and Intesa Sanpaolo (OTCMKTS:ISNPY) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, valuation and risk.

Volatility and Risk

Centerstate Bank has a beta of 0.38, indicating that its stock price is 62% less volatile than the S&P 500. Comparatively, Intesa Sanpaolo has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500.

Institutional and Insider Ownership

82.5% of Centerstate Bank shares are owned by institutional investors. Comparatively, 0.9% of Intesa Sanpaolo shares are owned by institutional investors. 2.4% of Centerstate Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Dividends

Centerstate Bank pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Intesa Sanpaolo pays an annual dividend of $1.03 per share and has a dividend yield of 6.3%. Intesa Sanpaolo pays out 34.6% of its earnings in the form of a dividend. Centerstate Bank has raised its dividend for 2 consecutive years.

Profitability

This table compares Centerstate Bank and Intesa Sanpaolo’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Centerstate Bank 21.38% 8.96% 1.25%
Intesa Sanpaolo 43.25% 13.71% 0.98%

Analyst Ratings

This is a breakdown of current ratings and price targets for Centerstate Bank and Intesa Sanpaolo, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Centerstate Bank 0 2 4 0 2.67
Intesa Sanpaolo 0 0 1 0 3.00

Centerstate Bank presently has a consensus target price of $31.17, indicating a potential upside of 5.79%. Given Centerstate Bank’s higher probable upside, equities analysts clearly believe Centerstate Bank is more favorable than Intesa Sanpaolo.

Valuation & Earnings

This table compares Centerstate Bank and Intesa Sanpaolo’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Centerstate Bank $316.50 million 7.83 $55.79 million N/A N/A
Intesa Sanpaolo $19.06 billion 2.27 $8.27 billion $2.98 5.50

Intesa Sanpaolo has higher revenue and earnings than Centerstate Bank.

Summary

Centerstate Bank beats Intesa Sanpaolo on 9 of the 16 factors compared between the two stocks.

Centerstate Bank Company Profile

CenterState Bank Corporation operates as the holding company for CenterState Bank, N.A. that provides various consumer and commercial banking services to individuals, businesses, and industries in Florida. The company's deposit products include savings, demand, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and time deposits. It also offers real estate loans to individuals and businesses for the purchase, improvement of, or investment in real estate; construction of single-family residential and commercial units; and development of single-family residential building lots. In addition, the company provides commercial loans to individuals and small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; and consumer loans comprising loans to individuals for various consumer purposes, as well as business purpose loans. Further, it offers mutual funds, annuities, and other investment products. Additionally, the company sells fixed income securities; and provides hedging, loan brokerage, correspondent bank deposits, safe-keeping, bond accounting, asset/liability consulting, international wires, clearing and corporate checking account, and other correspondent banking related services. As of December 31, 2017, it operated 78 bank office network located in 28 counties of Florida; and 1 loan production office in Florida, and 1 loan production office in Macon, Georgia. The company was formerly known as CenterState Banks, Inc. and changed its name to CenterState Bank Corporation in September 2017. CenterState Bank Corporation was founded in 1989 and is headquartered in Winter Haven, Florida.

Intesa Sanpaolo Company Profile

Intesa Sanpaolo S.p.A. provides various banking products and services. It operates through Banca dei Territori, Banking, Internat Subsidiary Banks, Private Banking, and Asset Management business units. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services. It also provides consumer credit, e-money, and payment systems; capital markets and investment banking services; and structured finance, as well as transaction banking, trade and export finance, corporate and strategic finance, and private banking services. The company serves individuals, small and medium-sized businesses, non-profit entities, corporates and financial institutions, private clients and high net worth individuals, commercial networks and institutional clienteles, and other customers. It operates through a network of approximately 4,700 branches in Italy and 1,100 branches in Central Eastern Europe, and the Middle Eastern and North African areas. The company is headquartered in Turin, Italy.

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