SBERBANK RUSSIA/S (OTCMKTS:SBRCY) and Community Shores Bank (OTCMKTS:CSHB) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, dividends, risk, institutional ownership, analyst recommendations, earnings and profitability.

Institutional and Insider Ownership

0.1% of SBERBANK RUSSIA/S shares are held by institutional investors. 39.7% of Community Shores Bank shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares SBERBANK RUSSIA/S and Community Shores Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
SBERBANK RUSSIA/S 38.49% 23.59% 2.98%
Community Shores Bank N/A N/A N/A

Volatility & Risk

SBERBANK RUSSIA/S has a beta of 1.31, meaning that its share price is 31% more volatile than the S&P 500. Comparatively, Community Shores Bank has a beta of 0.7, meaning that its share price is 30% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for SBERBANK RUSSIA/S and Community Shores Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SBERBANK RUSSIA/S 0 1 0 0 2.00
Community Shores Bank 0 0 0 0 N/A

Dividends

SBERBANK RUSSIA/S pays an annual dividend of $0.63 per share and has a dividend yield of 4.3%. Community Shores Bank does not pay a dividend.

Valuation and Earnings

This table compares SBERBANK RUSSIA/S and Community Shores Bank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SBERBANK RUSSIA/S $44.11 billion 1.81 $12.50 billion N/A N/A
Community Shores Bank $8.94 million 1.26 -$980,000.00 N/A N/A

SBERBANK RUSSIA/S has higher revenue and earnings than Community Shores Bank.

Summary

SBERBANK RUSSIA/S beats Community Shores Bank on 9 of the 10 factors compared between the two stocks.

SBERBANK RUSSIA/S Company Profile

Sberbank of Russia provides corporate and retail banking services to individuals, small businesses, corporate clients, and financial institutions. The company accepts fixed-term, settlement, and online deposits; savings certificates; trace and metals accounts; and certificates of deposit. Its loan products include consumer, mortgage, corporate, contract, overdraft, investment, working capital, and business start-up loans; loans for refinancing of loans; loans with bills; trade, lease transaction, development project, and carbon finance; loans to constituent entities and municipal units of the Russian Federation, defense industry companies, and agriculture industry; loans for financing of industrial projects; loans for cars, equipment, and real estate; loans for new projects; and interbank lending, guarantee, and loan refinance services. The company also offers debit, credit, social, and corporate cards; and life and health, bank card, and endowment and investment life, car, and real estate insurance products; and pension plans. In addition, it provides payment, transfer, promissory note, mutual fund, brokerage, custody, global market operation, clearing, cash collection, leasing, investment banking, structures product, merchant banking, depository, asset and cash management, international business and currency control, remote banking, currency exchange, and safe deposit box services. As of December 31, 2017, it had 14 regional head offices, 78 branches, and 14,312 sub-branches. The company carries out banking operation in Russia, Turkey, Ukraine, Kazakhstan, Belarus, Austria, Switzerland, other countries of Central and Eastern Europe, the United States, the United Kingdom, Cyprus, and internationally, as well as branch office in India, and representative offices in Germany and China. It has a strategic cooperation agreement with the accelerator of the Internet Initiatives Development Fund. The company was founded in 1841 and is headquartered in Moscow, Russia.

Community Shores Bank Company Profile

Community Shores Bank Corporation operates as the holding company for Community Shores Bank, a community bank that provides various commercial and consumer banking services primarily in the communities of Muskegon County and Northern Ottawa County, Michigan. The company offers various deposit services, including checking and savings accounts, time deposits, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises fixed rate and adjustable rates loans, construction loans and loans for condominiums; home equity loans; and construction permanent loans. The company also provides installment loans and credit lines, including automobile loans, boat loans, recreational vehicle loans, home improvement loans, personal loans, and personal lines of credit; credit cards; and business loans, such as small business lines of credit, term loans commercial real estate loans, letters of credit, and SBA loans. In addition, it offers electronic and mobile banking services; overdrafts; re-order checks, wire transfers, safe deposit boxes, notary services, ATM and one-time debit card overdraft opt-in, gift cards, and courier services; and investment products. The company serves individuals, businesses, schools, associations, churches, nonprofit organizations, financial institutions, and government authorities. Community Shores Bank Corporation was founded in 1998 and is based in Muskegon, Michigan.

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