Yadkin Financial Corp (NYSE: YDKN) and BOK Financial Corporation (NASDAQ:BOKF) are both financials companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk.
Institutional and Insider Ownership
69.7% of Yadkin Financial Corp shares are owned by institutional investors. Comparatively, 31.7% of BOK Financial Corporation shares are owned by institutional investors. 3.0% of Yadkin Financial Corp shares are owned by insiders. Comparatively, 62.0% of BOK Financial Corporation shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
This table compares Yadkin Financial Corp and BOK Financial Corporation’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Yadkin Financial Corp||18.40%||5.41%||0.75%|
|BOK Financial Corporation||18.96%||8.87%||0.92%|
Volatility and Risk
Yadkin Financial Corp has a beta of 0.95, meaning that its stock price is 5% less volatile than the S&P 500. Comparatively, BOK Financial Corporation has a beta of 1.01, meaning that its stock price is 1% more volatile than the S&P 500.
Yadkin Financial Corp pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. BOK Financial Corporation pays an annual dividend of $1.76 per share and has a dividend yield of 2.0%. Yadkin Financial Corp pays out 32.5% of its earnings in the form of a dividend. BOK Financial Corporation pays out 38.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BOK Financial Corporation has increased its dividend for 12 consecutive years. BOK Financial Corporation is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This is a summary of recent ratings for Yadkin Financial Corp and BOK Financial Corporation, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Yadkin Financial Corp||0||0||0||0||N/A|
|BOK Financial Corporation||0||7||2||0||2.22|
BOK Financial Corporation has a consensus price target of $89.57, suggesting a potential downside of 0.42%. Given BOK Financial Corporation’s higher possible upside, analysts clearly believe BOK Financial Corporation is more favorable than Yadkin Financial Corp.
Earnings and Valuation
This table compares Yadkin Financial Corp and BOK Financial Corporation’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Yadkin Financial Corp||N/A||N/A||N/A||$1.23||28.03|
|BOK Financial Corporation||$1.46 billion||4.03||$300.26 million||$4.59||19.60|
BOK Financial Corporation has higher revenue and earnings than Yadkin Financial Corp. BOK Financial Corporation is trading at a lower price-to-earnings ratio than Yadkin Financial Corp, indicating that it is currently the more affordable of the two stocks.
BOK Financial Corporation beats Yadkin Financial Corp on 11 of the 13 factors compared between the two stocks.
About Yadkin Financial Corp
Yadkin Financial Corporation is a bank holding company. The Company conducts its business operations through its subsidiary, Yadkin Bank, which is a chartered community bank that provides services in approximately 110 branches across North Carolina and South Carolina. Yadkin Bank provides banking, mortgage, investment and insurance services to businesses and consumers across the Carolinas. It operates through a segment, which is providing general commercial banking and financial services to individuals and businesses located in North Carolina and South Carolina, and to customers in various states through its Small Business Administration (SBA) lending program. It offers various loans, such as commercial and industrial (C&I) loans and government-guaranteed loans. The Company’s investment securities portfolio includes the United States Government-sponsored enterprise (GSE) obligations and securities guaranteed by the United States SBA. The Company’s primary source of funds is deposits.
About BOK Financial Corporation
BOK Financial Corporation is a financial holding company. The Company offers full service banking in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona and Kansas/Missouri. The Company’s segments include Commercial Banking, Consumer Banking, Wealth Management, and Funds Management and Other. The Commercial Banking segment includes lending, treasury and cash management services, and customer risk management products for small businesses, middle market and commercial customers. The Commercial Banking segment also includes the TransFund Electronic Funds Network. The Consumer Banking segment includes retail lending and deposit services, lending and deposit services to small business customers served through the retail branch network and all mortgage banking activities. The Wealth Management segment provides fiduciary services, private bank services and investment advisory services in all markets.
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