Bank of South Carolina (NASDAQ:BKSC – Get Rating) and Central Pacific Financial (NYSE:CPF – Get Rating) are both small cap finance companies, but which company is better? We’ll compare the two companies based on their risk strength, institutional ownership, earnings, dividends, valuation, analyst recommendations and profitability.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Bank of South Carolina and Central Pacific Financial.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Bank of South Carolina||$21.42 million||4.50||$6.74 million||$1.12||15.54|
|Central Pacific Financial||$261.82 million||2.84||$79.89 million||$2.84||9.47|
Central Pacific Financial has higher revenues and profits than Bank of South Carolina. Central Pacific Financial trades at a lower price-to-earnings ratio than Bank of South Carolina, indicating that it is currently the more affordable of the two stocks.
This table compares the net margins, return on equity, and return on assets of Bank of South Carolina and Central Pacific Financial.
|Net margins||Return on equity||return on assets|
|Bank of South Carolina||31.49%||11.79%||0.98%|
|Central Pacific Financial||30.51%||14.46%||1.11%|
Bank of South Carolina pays an annual dividend of $0.68 per share and has a dividend yield of 3.9%. Central Pacific Financial pays an annual dividend of $1.04 per share and has a dividend yield of 3.9%. Bank of South Carolina pays 60.7% of its profits as a dividend. Central Pacific Financial pays 36.6% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Central Pacific Financial has increased its dividend for 2 consecutive years.
This is a breakdown of the current ratings and recommendations for Bank of South Carolina and Central Pacific Financial, as reported by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Bank of South Carolina||0||0||0||0||N / A|
|Central Pacific Financial||0||1||1||0||2.50|
Central Pacific Financial has a consensus target price of $31.50, suggesting a potential upside of 17.14%. Given Central Pacific Financial’s likely higher upside, analysts clearly believe that Central Pacific Financial is more favorable than Bank of South Carolina.
Volatility and risk
Bank of South Carolina has a beta of 0.48, suggesting its stock price is 52% less volatile than the S&P 500. By comparison, Central Pacific Financial has a beta of 1.18, suggesting its stock price of its stock is 18% more volatile than the S&P 500. .
Institutional and insider ownership
8.5% of Bank of South Carolina shares are held by institutional investors. By comparison, 89.3% of Central Pacific Financial’s shares are held by institutional investors. 29.6% of Bank of South Carolina shares are held by insiders. By comparison, 2.8% of Central Pacific Financial’s shares are held by insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.
Central Pacific Financial beats Bank of South Carolina on 11 of 16 factors compared between the two stocks.
Bank of South Carolina Company Profile (Get a rating)
Bank of South Carolina Corp. is a holding company that provides financial services. It offers personal and business banking services, including checking, savings, certificates of deposit, health savings accounts, retirement accounts, loans, credit cards, safe deposit boxes and Internet banking. The company was founded on February 15, 1995 and is based in Charleston, SC.
Central Pacific Financial Company Profile (Get a rating)
Central Pacific Financial Corp. is the holding company of Central Pacific Bank that provides commercial banking products and services to businesses, professionals and individuals in the United States. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts and term deposit certificates. The Company’s lending businesses include commercial lending, financial and agricultural lending, commercial and residential mortgage lending, and construction lending to small and medium-sized businesses, professionals, and real estate investors and developers, as well as real estate lending. and consumer loans to buyers and individuals. It also provides debit cards, internet and mobile banking, cash management, full-service ATMs, digital banking, travelers checks, safety deposit boxes, international banking, night deposit facilities, foreign exchange and wire transfers, fiduciary services and retail brokerage. services. In addition, the Company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consulting and planning services. As of December 31, 2021, it operated 30 branches and 69 ATMs in the state of Hawaii. The company was incorporated in 1954 and is headquartered in Honolulu, Hawaii.
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