Head-To-Head Contrast: Valley National Bancorp (VLY) & C1 Financial (BNK)
Valley National Bancorp (NYSE: VLY) and C1 Financial (NYSE:BNK) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, dividends, analyst recommendations, profitability, earnings and valuation.
This is a summary of recent ratings and recommmendations for Valley National Bancorp and C1 Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Valley National Bancorp||0||5||2||0||2.29|
Valley National Bancorp currently has a consensus target price of $12.60, suggesting a potential upside of 11.50%. Given Valley National Bancorp’s higher possible upside, analysts plainly believe Valley National Bancorp is more favorable than C1 Financial.
This table compares Valley National Bancorp and C1 Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Valley National Bancorp||19.91%||8.27%||0.81%|
Valley National Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 3.9%. C1 Financial does not pay a dividend. Valley National Bancorp pays out 64.7% of its earnings in the form of a dividend.
Insider and Institutional Ownership
64.0% of Valley National Bancorp shares are held by institutional investors. 3.1% of Valley National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares Valley National Bancorp and C1 Financial’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Valley National Bancorp||$870.15 million||3.43||$168.14 million||$0.68||16.62|
Valley National Bancorp has higher revenue and earnings than C1 Financial. Valley National Bancorp is trading at a lower price-to-earnings ratio than C1 Financial, indicating that it is currently the more affordable of the two stocks.
Valley National Bancorp beats C1 Financial on 6 of the 11 factors compared between the two stocks.
Valley National Bancorp Company Profile
Valley National Bancorp is the bank holding company for Valley National Bank (the Bank). The Bank provides a range of commercial, retail, insurance and wealth management financial services products. The Company’s segments include Consumer Lending, Commercial Lending, Investment Management, and Corporate and Other Adjustments. The Consumer Lending segment primarily includes residential mortgages, home equity loans and automobile loans. The Commercial Lending segment primarily includes floating rate and adjustable rate commercial and industrial loans, as well as fixed rate owner occupied and commercial real estate loans. The Investment Management segment includes the Company’s investments in various types of securities. As of July 26, 2017, the Bank operated 200 branch locations serving northern and central New Jersey, the New York City boroughs of Manhattan, Brooklyn, Queens and Long Island, and Florida.
C1 Financial Company Profile
C1 Financial, Inc. is a bank holding company. The Company is focused on serving the needs of entrepreneurs offering relationship banking services to entrepreneurs and their families, including commercial loans and a range of depository products. The Company operates from approximately 30 banking centers and over one loan production office on the West Coast of Florida and in Miami-Dade, Broward and Orange Counties. The Company offers a range of short and medium-term small business and real estate, commercial and consumer loans. It makes residential real estate loans to qualified individuals for the purchase of existing single-family residences in its markets. Its commercial real estate loans consist of loans to developers of both commercial and residential properties. Its consumer loans consist of lines of credit and term loans secured by second mortgages on the residences of borrowers for a range of purposes, including home improvements, education and other personal expenditures.
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