Mainstreet Bank Common Stock (Virginia) (OTCMKTS:MNSB) and Woori Bank (NYSE:WF) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, earnings, profitability, analyst recommendations, risk, institutional ownership and valuation.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Mainstreet Bank Common Stock (Virginia) and Woori Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Mainstreet Bank Common Stock (Virginia) 0 0 1 0 3.00
Woori Bank 0 0 1 0 3.00

Institutional & Insider Ownership

18.4% of Mainstreet Bank Common Stock (Virginia) shares are held by institutional investors. Comparatively, 0.5% of Woori Bank shares are held by institutional investors. 16.4% of Mainstreet Bank Common Stock (Virginia) shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Dividends

Woori Bank pays an annual dividend of $1.17 per share and has a dividend yield of 2.8%. Mainstreet Bank Common Stock (Virginia) does not pay a dividend. Woori Bank pays out 21.7% of its earnings in the form of a dividend.

Volatility and Risk

Mainstreet Bank Common Stock (Virginia) has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, Woori Bank has a beta of 1, suggesting that its stock price has a similar volatility profile to the S&P 500.

Profitability

This table compares Mainstreet Bank Common Stock (Virginia) and Woori Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Mainstreet Bank Common Stock (Virginia) 15.39% N/A N/A
Woori Bank 17.52% 8.01% 0.52%

Earnings & Valuation

This table compares Mainstreet Bank Common Stock (Virginia) and Woori Bank’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Mainstreet Bank Common Stock (Virginia) $29.23 million 5.53 $3.88 million $0.97 20.36
Woori Bank $8.94 billion 1.06 $1.42 billion $5.40 7.85

Woori Bank has higher revenue and earnings than Mainstreet Bank Common Stock (Virginia). Woori Bank is trading at a lower price-to-earnings ratio than Mainstreet Bank Common Stock (Virginia), indicating that it is currently the more affordable of the two stocks.

Summary

Woori Bank beats Mainstreet Bank Common Stock (Virginia) on 8 of the 13 factors compared between the two stocks.

About Mainstreet Bank Common Stock (Virginia)

MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking services for businesses and individuals. It offers a range of deposit products, such as checking accounts, savings accounts, money market accounts, and certificate of deposits. The company also provides loans for construction, renovations and improvements, commercial real estate, rental property, working capital, business, and land loans, as well as government contract loans, line of credit or seasonal line of credit, mortgage loans, auto loans, and term loans. In addition, it offers debit and credit cards, overdraft protection, insurance, and online and mobile banking services, as well as cash management, merchant, payment processing, check scanning, and lockbox services. The company operates five branches in Herndon, Fairfax, Fairfax City, McLean, and Clarendon, as well as has 55,000 ATMs. MainStreet Bancshares, Inc. was founded in 2003 and is headquartered in Fairfax, Virginia.

About Woori Bank

Woori Bank engages in the provision of personal and commercial banking services. It operates through the following segments: Consumer Banking, Corporate Banking, Investment Banking, Capital Markets, Credit Cards, and Other Operations. The Consumer Banking segment consists of lending to and taking deposits from its retail customers. The Corporate Banking segment provides commercial banking services to large corporate customers including government-owned enterprises and small- and medium-sized enterprises. The Investment Banking segment offers project finance and financial advisory services. The Capital Markets segment includes securities investment and trading, derivatives trading, asset securitization services, and investment banking. The Credit Cards segment comprises of Woori, BC Card, and Visa brands. The Other Operations segment manages credit management and collection department, treasury operations, including transactions of available-for-sale securities and financing among financial institutions. The compan ywas founded on January 30, 1899 and is headquartered in Seoul, South Korea.

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