Intesa Sanpaolo (OTCMKTS: ISNPY) and Peoples Financial Services (NASDAQ:PFIS) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, analyst recommendations, dividends, earnings and profitability.
Insider & Institutional Ownership
0.9% of Intesa Sanpaolo shares are owned by institutional investors. Comparatively, 23.2% of Peoples Financial Services shares are owned by institutional investors. 8.3% of Peoples Financial Services shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
This is a summary of current ratings and recommmendations for Intesa Sanpaolo and Peoples Financial Services, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Peoples Financial Services||0||0||0||0||N/A|
Earnings and Valuation
This table compares Intesa Sanpaolo and Peoples Financial Services’ top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Intesa Sanpaolo||$17.50 billion||3.32||$4.35 billion||$0.82||26.84|
|Peoples Financial Services||$91.43 million||3.59||$18.45 million||N/A||N/A|
Intesa Sanpaolo has higher revenue and earnings than Peoples Financial Services.
This table compares Intesa Sanpaolo and Peoples Financial Services’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Peoples Financial Services||20.19%||7.50%||0.95%|
Risk and Volatility
Intesa Sanpaolo has a beta of 1.34, indicating that its share price is 34% more volatile than the S&P 500. Comparatively, Peoples Financial Services has a beta of 0.8, indicating that its share price is 20% less volatile than the S&P 500.
Intesa Sanpaolo pays an annual dividend of $0.87 per share and has a dividend yield of 4.0%. Peoples Financial Services pays an annual dividend of $1.28 per share and has a dividend yield of 2.9%. Intesa Sanpaolo pays out 106.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Peoples Financial Services beats Intesa Sanpaolo on 7 of the 13 factors compared between the two stocks.
About Intesa Sanpaolo
Intesa Sanpaolo S.p.A. is a banking company. The Company’s segments include Banca dei Territori, Corporate and Investment Banking, International Subsidiary Banks, Asset Management, Private Banking and Insurance. The Banca dei Territori division includes the Company’s traditional lending and deposit collecting activities. The Corporate and Investment Banking Division includes corporate banking, investment banking and public finance in Italy and abroad. The International Subsidiary Banks Division oversees the Company’s commercial operations on international markets through subsidiary and associated banks primarily involved in retail banking operations. The Private Banking Division provides private and high net worth individuals with specific products and services. The Asset Management Division is engaged in developing asset management solutions. The Insurance Division oversees the management of the subsidiaries, Intesa Sanpaolo Vita S.p.A. and Fideuram Vita S.p.A.
About Peoples Financial Services
Peoples Financial Services Corp. is a bank holding company. The Company provides a range of financial services through its subsidiary, Peoples Security Bank and Trust Company (Peoples Bank), including its subsidiary, Peoples Advisors, LLC. Peoples Bank is a state-chartered bank and trust company. Peoples Advisors, LLC, provides investment advisory services through a third party to individuals and small businesses. It provides an array of wealth management products and services, which include investment portfolio management, estate planning, annuities, business succession planning, insurances, education funding strategies and tax planning through Peoples Advisors, LLC. It offers credit card processing and a range of other products and services to merchant customers, including small business checking accounts, merchant money market account, online banking, telephone banking, business credit cards, merchant line of credit, business profitability and peer analysis, and financial checkup.
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