Analyzing Credit Agricole (OTCMKTS:CRARY) and Bogota Financial (NASDAQ:BSBK)

Credit Agricole (OTCMKTS:CRARY) and Bogota Financial (NASDAQ:BSBK) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

Analyst Recommendations

This is a summary of current ratings for Credit Agricole and Bogota Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Credit Agricole	0	4	1	0	2.20
Bogota Financial	0	1	0	0	2.00

Valuation & Earnings

This table compares Credit Agricole and Bogota Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Credit Agricole	$31.76 billion	1.59	$8.00 billion	$1.12	7.39
Bogota Financial	$44.78 million	2.60	$2.09 million	$0.21	43.43

Credit Agricole has higher revenue and earnings than Bogota Financial. Credit Agricole is trading at a lower price-to-earnings ratio than Bogota Financial, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Credit Agricole has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500. Comparatively, Bogota Financial has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500.

Profitability

This table compares Credit Agricole and Bogota Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Credit Agricole	23.39%	31.64%	1.14%
Bogota Financial	6.00%	1.83%	0.29%

Insider & Institutional Ownership

0.6% of Credit Agricole shares are owned by institutional investors. Comparatively, 11.6% of Bogota Financial shares are owned by institutional investors. 3.7% of Bogota Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Credit Agricole beats Bogota Financial on 9 of the 13 factors compared between the two stocks.

About Credit Agricole

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.

About Bogota Financial

Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans; consumer loans, such as home equity loans and lines of credit; commercial and industrial loans; and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.