GRUPO AVAL ACCI/S (AVAL) and Opus Bank (OPB) Critical Comparison

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GRUPO AVAL ACCI/S (NYSE:AVAL) and Opus Bank (NASDAQ:OPB) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, dividends, risk, profitability, analyst recommendations, earnings and institutional ownership.

Dividends

GRUPO AVAL ACCI/S pays an annual dividend of $0.38 per share and has a dividend yield of 4.6%. Opus Bank pays an annual dividend of $0.44 per share and has a dividend yield of 2.1%. GRUPO AVAL ACCI/S pays out 63.3% of its earnings in the form of a dividend. Opus Bank pays out 34.4% 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. Opus Bank has increased its dividend for 3 consecutive years.

Institutional and Insider Ownership

97.7% of Opus Bank shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations for GRUPO AVAL ACCI/S and Opus Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
GRUPO AVAL ACCI/S 0 1 1 0 2.50
Opus Bank 0 1 0 0 2.00

GRUPO AVAL ACCI/S presently has a consensus target price of $8.00, suggesting a potential downside of 3.15%. Opus Bank has a consensus target price of $20.00, suggesting a potential downside of 5.17%. Given GRUPO AVAL ACCI/S’s stronger consensus rating and higher probable upside, equities analysts clearly believe GRUPO AVAL ACCI/S is more favorable than Opus Bank.

Valuation & Earnings

This table compares GRUPO AVAL ACCI/S and Opus Bank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
GRUPO AVAL ACCI/S $8.39 billion N/A $873.81 million $0.60 13.77
Opus Bank $287.83 million 2.51 $30.31 million $1.28 16.48

GRUPO AVAL ACCI/S has higher revenue and earnings than Opus Bank. GRUPO AVAL ACCI/S is trading at a lower price-to-earnings ratio than Opus Bank, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

GRUPO AVAL ACCI/S has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500. Comparatively, Opus Bank has a beta of 1.25, indicating that its stock price is 25% more volatile than the S&P 500.

Profitability

This table compares GRUPO AVAL ACCI/S and Opus Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
GRUPO AVAL ACCI/S 10.79% 10.81% 1.19%
Opus Bank 10.74% 4.79% 0.66%

Summary

GRUPO AVAL ACCI/S beats Opus Bank on 9 of the 15 factors compared between the two stocks.

GRUPO AVAL ACCI/S Company Profile

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. The company's deposit products and services include checking accounts, savings accounts, and time deposits, as well as other deposits consisting of deposits from correspondent accounts, cashier checks, and collection services. It also provides loan products, such as commercial loans that comprise general purpose loans, working capital loans, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans comprising personal loans, automobile and other vehicle loans, credit cards, overdrafts, loans funded by development banks, and general purpose loans; microcredit loans; and mortgage loans. In addition, the company offers pension and severance fund management services; and trust, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, bancassurance, and payment and collection services, as well as engages in deposit and lending operations in foreign currencies. Further, it is involved in merchant and investment banking activities; trading activities that include fixed income trading, and derivatives and foreign exchange operations, as well as the provision of treasury, pension plan administration, investment fund advice, financial advisory, leasing, private banking, and insurance services. As of December 31, 2017, the company operated through a network of 1,421 branches and 3,781 ATMs in Colombia; and 350 branches and 1,993 ATMs in Central America. Grupo Aval Acciones y Valores S.A. was founded in 1994 and is based in Bogotá, Colombia.

Opus Bank Company Profile

Opus Bank provides various banking products, services, and solutions for small and mid-sized companies, entrepreneurs, real estate investors, professionals, and high net worth individuals. The company accepts demand deposits, checking accounts, money market accounts, savings accounts, and certificates of deposit. Its loan products include multifamily residential loans, commercial real estate loans, commercial business loans, small business administration loans, and construction loans; and loans and lines for working capital, expansion, acquisitions, consolidation, and transition. The company also offers financial and advisory services related to raising equity capital, targeted acquisition and divestiture strategies, general mergers and acquisitions, debt and equity financing, balance sheet restructuring, valuation, strategy, and performance improvement. In addition, it provides commercial escrow services and facilitates tax-deferred commercial exchanges; and treasury, cash management, and depository solutions. As of January 28, 2019, it operated 47 banking offices, including 28 in California, 16 in the Seattle/Puget Sound region in Washington, 2 in the Phoenix metropolitan area of Arizona, and 1 in Portland, Oregon. The company was formerly known as Bay Cities National Bank. Opus Bank was founded in 1982 and is headquartered in Irvine, California.

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