BancFirst (NASDAQ:BANF) versus Intesa Sanpaolo (OTCMKTS:ISNPY) Financial Contrast

BancFirst (NASDAQ:BANF) and Intesa Sanpaolo (OTCMKTS:ISNPY) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, profitability, institutional ownership, earnings, valuation, dividends and analyst recommendations.

Earnings & Valuation

This table compares BancFirst and Intesa Sanpaolo’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BancFirst	$809.34 million	3.63	$212.46 million	$6.34	14.08
Intesa Sanpaolo	$23.22 billion	2.84	$4.59 billion	$2.51	8.63

Intesa Sanpaolo has higher revenue and earnings than BancFirst. Intesa Sanpaolo is trading at a lower price-to-earnings ratio than BancFirst, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

51.7% of BancFirst shares are held by institutional investors. Comparatively, 1.2% of Intesa Sanpaolo shares are held by institutional investors. 33.9% of BancFirst shares are held 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.

Profitability

This table compares BancFirst and Intesa Sanpaolo’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BancFirst	26.25%	15.58%	1.74%
Intesa Sanpaolo	19.88%	11.11%	0.75%

Analyst Recommendations

This is a summary of recent ratings and price targets for BancFirst and Intesa Sanpaolo, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BancFirst	1	1	0	0	1.50
Intesa Sanpaolo	0	1	1	0	2.50

BancFirst currently has a consensus price target of $85.50, suggesting a potential downside of 4.23%. Given BancFirst’s higher probable upside, research analysts clearly believe BancFirst is more favorable than Intesa Sanpaolo.

Dividends

BancFirst pays an annual dividend of $1.72 per share and has a dividend yield of 1.9%. Intesa Sanpaolo pays an annual dividend of $1.34 per share and has a dividend yield of 6.2%. BancFirst pays out 27.1% of its earnings in the form of a dividend. Intesa Sanpaolo pays out 53.4% 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. BancFirst has raised its dividend for 30 consecutive years.

Risk & Volatility

BancFirst has a beta of 1.09, indicating that its stock price is 9% more volatile than the S&P 500. Comparatively, Intesa Sanpaolo has a beta of 1.27, indicating that its stock price is 27% more volatile than the S&P 500.

Summary

BancFirst beats Intesa Sanpaolo on 11 of the 17 factors compared between the two stocks.

About BancFirst

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. The company operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. It offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. The company also provides commercial and agricultural non-real estate loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, it engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.

About Intesa Sanpaolo

Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; corporate, investment banking, and public finance services; industrial credit, factoring, and leasing services; asset management solutions; life and non-life insurance products; and bancassurance and pension fund, and fiduciary services. It also provides consumer credit and E-money; wealth management and private banking services. The company serves individuals, small and medium-sized businesses, non-profit organizations, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.