People’s Bank of Commerce (OTCMKTS:PBCO) and Erste Group Bank (OTCMKTS:EBKDY) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.
Insider & Institutional Ownership
3.7% of People’s Bank of Commerce shares are held by institutional investors. Comparatively, 0.2% of Erste Group Bank shares are held by institutional investors. 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.
This table compares People’s Bank of Commerce and Erste Group Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|People’s Bank of Commerce||20.54%||N/A||N/A|
|Erste Group Bank||10.26%||4.23%||0.34%|
Valuation and Earnings
This table compares People’s Bank of Commerce and Erste Group Bank’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|People’s Bank of Commerce||$22.08 million||1.96||$4.07 million||N/A||N/A|
|Erste Group Bank||$10.87 billion||1.27||$1.65 billion||$1.81||8.89|
Erste Group Bank has higher revenue and earnings than People’s Bank of Commerce.
This is a summary of recent recommendations and price targets for People’s Bank of Commerce and Erste Group Bank, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|People’s Bank of Commerce||0||0||0||0||N/A|
|Erste Group Bank||0||0||1||0||3.00|
Risk & Volatility
People’s Bank of Commerce has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500. Comparatively, Erste Group Bank has a beta of 1.49, indicating that its stock price is 49% more volatile than the S&P 500.
Erste Group Bank beats People’s Bank of Commerce on 7 of the 10 factors compared between the two stocks.
People’s Bank of Commerce Company Profile
People's Bank of Commerce provides banking services to businesses and individuals primarily in Southern Oregon. It offers various deposit products, including checking, savings, and money market accounts. The company's personal loans consist of home equity loans and credit lines; consumer loans and credit lines comprising auto, recreational vehicle, boat, personal line of credit, certificate of deposit and savings secured loans; and home lot and construction loans. Its business loan portfolio includes commercial loans comprising commercial real estate, equipment purchase, certificates of deposit and listed stock secured, commercial real estate construction, residential construction loans, and lines of credit; and small business/government loans. In addition, the company provides merchant services, automated clearing house origination services, remote deposit capture services, online and mobile banking, bill pay, e-statements, sweep accounts, and debit cards. It operates six full-service branches in Ashland, Central Point, Klamath Falls, Grants Pass, and Medford, Oregon. People's Bank of Commerce was incorporated in 1997 and is headquartered in Medford, Oregon.
Erste Group Bank Company Profile
Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, real estate, and public sector customers in Austria, Central and Eastern Europe, and internationally. The company operates through Retail, Corporates, Group Markets, Asset/Liability Management and Local Corporate Center, Savings Banks, and Group Corporate Center segments. The company provides mortgage and consumer loans, investment products, current accounts, savings products, and credit cards, as well as cross selling products, such as leasing, insurance, and building society products. It also offers account management, payments, digital-banking, and cash logistics services; working capital finance, accounts receivable purchasing, factoring, and structured trade finance; letters of credit, documentary collections, guarantees, equity interests and investments, revolving export credits lines, customer financing, and export guarantee; investment, acquisition and leveraged, project, and commercial real estate finance; and corporate finance advisory and research services. In addition, the company offers trading and market services; trade execution, market making, and short-term liquidity management services; custody, depository, cash management, and trade and export finance services; loan syndication; and asset/liability management services. Further, the company provides discretionary portfolio management services and investment funds. As of December 31, 2019, it operated 2,373 branches. Erste Group Bank AG was founded in 1819 and is headquartered in Vienna, Austria.
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