Glacier Bancorp (NASDAQ: GBCI) and Bear State Financial (NASDAQ:BSF) are both financials companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, analyst recommendations, valuation, institutional ownership, risk, earnings and dividends.
This is a summary of recent ratings and recommmendations for Glacier Bancorp and Bear State Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bear State Financial||0||0||0||0||N/A|
Glacier Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.2%. Bear State Financial pays an annual dividend of $0.12 per share and has a dividend yield of 1.2%. Glacier Bancorp pays out 49.1% of its earnings in the form of a dividend. Bear State Financial pays out 21.1% 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.
Volatility and Risk
Glacier Bancorp has a beta of 1.45, suggesting that its stock price is 45% more volatile than the S&P 500. Comparatively, Bear State Financial has a beta of 1.26, suggesting that its stock price is 26% more volatile than the S&P 500.
Insider & Institutional Ownership
78.7% of Glacier Bancorp shares are held by institutional investors. Comparatively, 11.9% of Bear State Financial shares are held by institutional investors. 0.7% of Glacier Bancorp shares are held by company insiders. Comparatively, 45.7% of Bear State Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This table compares Glacier Bancorp and Bear State Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bear State Financial||21.33%||9.47%||1.05%|
Valuation and Earnings
This table compares Glacier Bancorp and Bear State Financial’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||NetIncome||Earnings Per Share||Price/Earnings Ratio|
|Glacier Bancorp||$451.47 million||6.58||$121.13 million||$1.71||22.27|
|Bear State Financial||$92.10 million||4.21||$17.45 million||$0.57||18.04|
Glacier Bancorp has higher revenue and earnings than Bear State Financial. Bear State Financial is trading at a lower price-to-earnings ratio than Glacier Bancorp, indicating that it is currently the more affordable of the two stocks.
Glacier Bancorp beats Bear State Financial on 13 of the 15 factors compared between the two stocks.
Glacier Bancorp Company Profile
Glacier Bancorp, Inc. is a bank holding company. The Company provides commercial banking services. As of December 31, 2016, it provided banking services from approximately 140 locations in Montana, Idaho, Wyoming, Colorado, Utah and Washington, through its bank subsidiary, Glacier Bank (the Bank). It offers a range of banking products and services, including transaction and savings deposits, real estate, commercial, agriculture, and consumer loans and mortgage origination services. It serves individuals, small to medium-sized businesses, community organizations and public entities. It focuses its lending activities primarily on various types of loans, including first-mortgage, conventional loans secured by residential properties, particularly single-family; commercial lending, including agriculture that concentrates on targeted businesses, and installment lending for consumer purposes, including home equity and automobile.
Bear State Financial Company Profile
Bear State Financial, Inc. is a bank holding company. The Company’s subsidiary Bear State Bank, N.A. (the Bank) is a community-oriented financial institution, which offers a range of retail and business deposit accounts, including noninterest bearing and interest bearing checking accounts, savings and money market accounts, certificates of deposit and individual retirement accounts. The Loan products offered by the Bank include residential real estate loans, consumer loans, construction loans, lines of credit, commercial real estate loans, and commercial business loans. The Bank’s other financial services include automated teller machines; around the clock telephone banking; online banking, including account access, bill payment and e-statements; mobile banking, including remote deposit capture and funds transfer; Bounce Protection overdraft services; debit cards, and safe deposit boxes.
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