Centerstate Bank (NASDAQ:CSFL) and China Commercial Credit (NASDAQ:CCCR) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, valuation, dividends and profitability.

Analyst Ratings

This is a summary of current ratings and price targets for Centerstate Bank and China Commercial Credit, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Centerstate Bank 0 0 5 0 3.00
China Commercial Credit 0 0 0 0 N/A

Centerstate Bank presently has a consensus target price of $29.40, suggesting a potential upside of 11.91%. Given Centerstate Bank’s higher possible upside, equities research analysts clearly believe Centerstate Bank is more favorable than China Commercial Credit.

Earnings and Valuation

This table compares Centerstate Bank and China Commercial Credit’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Centerstate Bank $316.50 million 7.94 $55.79 million N/A N/A
China Commercial Credit N/A N/A N/A N/A N/A

Centerstate Bank has higher revenue and earnings than China Commercial Credit.

Profitability

This table compares Centerstate Bank and China Commercial Credit’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Centerstate Bank 22.11% 9.02% 1.32%
China Commercial Credit N/A N/A N/A

Insider and Institutional Ownership

79.3% of Centerstate Bank shares are owned by institutional investors. Comparatively, 0.3% of China Commercial Credit shares are owned by institutional investors. 2.4% of Centerstate Bank shares are owned by company insiders. Comparatively, 2.2% of China Commercial Credit shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

Centerstate Bank pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. China Commercial Credit does not pay a dividend. Centerstate Bank has increased its dividend for 3 consecutive years.

Summary

Centerstate Bank beats China Commercial Credit on 10 of the 10 factors compared between the two stocks.

About Centerstate Bank

CenterState Bank Corporation operates as the holding company for CenterState Bank, N.A. that provides various consumer and commercial banking services to individuals, businesses, and industries in Florida. The company's deposit products include savings, demand, negotiable order of withdrawal, and money market deposit accounts, as well as certificates of deposit and time deposits. It also offers real estate loans to individuals and businesses for the purchase, improvement of, or investment in real estate; construction of single-family residential and commercial units; and development of single-family residential building lots. In addition, the company provides commercial loans to individuals and small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; and consumer loans comprising loans to individuals for various consumer purposes, as well as business purpose loans. Further, it offers mutual funds, annuities, and other investment products. Additionally, the company sells fixed income securities; and provides hedging, loan brokerage, correspondent bank deposits, safe-keeping, bond accounting, asset/liability consulting, international wires, clearing and corporate checking account, and other correspondent banking related services. As of December 31, 2017, it operated 78 bank office network located in 28 counties of Florida; and 1 loan production office in Florida, and 1 loan production office in Macon, Georgia. The company was formerly known as CenterState Banks, Inc. and changed its name to CenterState Bank Corporation in September 2017. CenterState Bank Corporation was founded in 1989 and is headquartered in Winter Haven, Florida.

About China Commercial Credit

China Commercial Credit, Inc., through its subsidiaries, operates as a microcredit company in the People's Republic of China. It provides direct loans, including secured loans comprising guarantee-backed loans and collateral-backed loans. China Commercial Credit, Inc. also offers financial guarantee services to third party lenders; and financial leasing services. It serves small-to-medium sized enterprises, farmers, and individuals in Wujiang, Jiangsu Province. The company was founded in 2008 and is based in Suzhou, the People's Republic of China.

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