GRUPO FINANCIER/ADR (OTCMKTS:GBOOY) and Esquire Financial (NASDAQ:ESQ) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, analyst recommendations, valuation, dividends, risk and profitability.

Risk and Volatility

GRUPO FINANCIER/ADR has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500.

Insider & Institutional Ownership

0.1% of GRUPO FINANCIER/ADR shares are owned by institutional investors. Comparatively, 42.4% of Esquire Financial shares are owned by institutional investors. 23.3% of Esquire Financial shares are owned by company 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.

Dividends

GRUPO FINANCIER/ADR pays an annual dividend of $0.82 per share and has a dividend yield of 2.3%. Esquire Financial does not pay a dividend.

Valuation and Earnings

This table compares GRUPO FINANCIER/ADR and Esquire Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
GRUPO FINANCIER/ADR $8.60 billion 2.25 $1.27 billion N/A N/A
Esquire Financial $25.91 million 7.04 $3.64 million N/A N/A

GRUPO FINANCIER/ADR has higher revenue and earnings than Esquire Financial.

Analyst Ratings

This is a summary of recent ratings and recommmendations for GRUPO FINANCIER/ADR and Esquire Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
GRUPO FINANCIER/ADR 0 0 0 0 N/A
Esquire Financial 0 0 1 0 3.00

Esquire Financial has a consensus target price of $28.00, indicating a potential upside of 14.38%. Given Esquire Financial’s higher possible upside, analysts plainly believe Esquire Financial is more favorable than GRUPO FINANCIER/ADR.

Profitability

This table compares GRUPO FINANCIER/ADR and Esquire Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
GRUPO FINANCIER/ADR 15.76% 18.01% 1.97%
Esquire Financial 19.08% 7.89% 1.23%

Summary

Esquire Financial beats GRUPO FINANCIER/ADR on 7 of the 13 factors compared between the two stocks.

GRUPO FINANCIER/ADR Company Profile

Grupo Financiero Banorte, S.A.B. de C.V., through its subsidiaries, provides banking and financial products and services in Mexico. It offers deposits, which include demand deposit savings accounts, term deposit savings accounts, checking accounts, mutual funds, and payroll; and credit products comprising credit cards, car loans, payroll loans, and mortgages. The company also provides individual accounts, specialized service, integration of resources, and infonavit advice; insurance, such as car, life, health, damage, and SME; and pensions. In addition, it offers fund operator, asset administration, investment banking, investment funds, stock market, money market, Internet banking, mobile phone banking, and cash management services. Further, the company provides services for banking, brokerage, leasing, general warehousing services, fleet administration, and annuities, as well as the acquisition, disposal, administration, collection, and general negotiation in any form of claims. Additionally, it engages in long term savings, leasing and factoring, and international banking businesses. The company operates through a network of approximately 1,191 branches, 7,425 ATMs, 6,989 third-party correspondents, and 155,893 point of sale terminals. Grupo Financiero Banorte, S.A.B. de C.V. was founded in 1899 and is headquartered in Mexico City, Mexico.

Esquire Financial Company Profile

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to law professionals, professional service firms, small to mid-sized businesses, and individuals in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2017, the company operated a branch in Garden City, New York; and an administrative office in Palm Beach Gardens, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

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