Sterling Bancorp (NASDAQ:SBT – Get Free Report) and Chester Bancorp (OTCMKTS:CNBA – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, dividends, profitability, risk, earnings, analyst recommendations and institutional ownership.
Insider & Institutional Ownership
26.4% of Sterling Bancorp shares are owned by institutional investors. 1.8% of Sterling Bancorp shares are owned by insiders. Comparatively, 38.8% of Chester Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a breakdown of current recommendations and price targets for Sterling Bancorp and Chester Bancorp, as reported by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Sterling Bancorp | 0 | 0 | 0 | 0 | N/A |
Chester Bancorp | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Sterling Bancorp and Chester Bancorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Sterling Bancorp | 4.84% | 2.00% | 0.27% |
Chester Bancorp | N/A | N/A | N/A |
Earnings & Valuation
This table compares Sterling Bancorp and Chester Bancorp”s gross revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Sterling Bancorp | $61.64 million | 3.93 | $7.41 million | $0.16 | 29.13 |
Chester Bancorp | N/A | N/A | N/A | N/A | N/A |
Sterling Bancorp has higher revenue and earnings than Chester Bancorp.
Risk & Volatility
Sterling Bancorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500. Comparatively, Chester Bancorp has a beta of -0.05, suggesting that its stock price is 105% less volatile than the S&P 500.
Dividends
Sterling Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.9%. Chester Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 13.3%. Sterling Bancorp pays out 25.0% of its earnings in the form of a dividend.
Summary
Sterling Bancorp beats Chester Bancorp on 6 of the 9 factors compared between the two stocks.
About Sterling Bancorp
Sterling Bancorp, Inc. is a unitary thrift holding company. Its wholly owned subsidiary, Sterling Bank and Trust, F.S.B., has primary branch operations in San Francisco and Los Angeles, California and New York City, and a loan production office in Seattle, Washington. Sterling offers a broad range of loan products to the residential and commercial markets, as well as retail and business banking services. Sterling also has an operations center and a branch in Southfield, Michigan. Sterling was named as the top performing community bank in the United States with total assets between $1 billion and $10 billion in 2017 by SNL/S&P Global Market Intelligence.
About Chester Bancorp
Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides various banking products and services to individuals and businesses in Chester, Illinois. It offers checking accounts, such as regular checking, student checking, golden checking, and club checking accounts; savings accounts, including statement savings, Christmas club, and money market accounts; and certificate of deposits and individual retirement accounts. The company also provides loans comprising mortgage, construction, lot, home equity, consumer, and business loans; and reorder check services. It operates two full service offices in Sparta, Illinois; and Perryville, Missouri. Chester Bancorp, Inc. was founded in 1996 and is based in Chester, Illinois.
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