WaFd (NASDAQ:WAFD) vs. City Bank (OTCMKTS:CTBK) Head-To-Head Analysis

City Bank (OTCMKTS:CTBK) and WaFd (NASDAQ:WAFD) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, risk, profitability, earnings, institutional ownership and dividends.

Insider & Institutional Ownership

83.7% of WaFd shares are owned by institutional investors. 37.5% of City Bank shares are owned by insiders. Comparatively, 1.5% of WaFd shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares City Bank and WaFd’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
City Bank	N/A	N/A	N/A
WaFd	16.02%	8.40%	0.84%

Analyst Recommendations

This is a summary of current ratings and price targets for City Bank and WaFd, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
City Bank	0	0	0	0	0.00
WaFd	0	5	0	0	2.00

WaFd has a consensus price target of $32.00, indicating a potential downside of 4.13%. Given City Bank’s higher probable upside, research analysts clearly believe City Bank is more favorable than WaFd.

Valuation and Earnings

This table compares City Bank and WaFd”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
City Bank	N/A	N/A	N/A	N/A	N/A
WaFd	$1.41 billion	1.81	$226.07 million	$2.64	12.64

WaFd has higher revenue and earnings than City Bank.

Summary

WaFd beats City Bank on 6 of the 8 factors compared between the two stocks.

About City Bank

As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.

About WaFd

WaFd, Inc operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company offers deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It also provides single-family dwellings, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc in September 2023. WaFd, Inc was founded in 1917 and is headquartered in Seattle, Washington.