Head-To-Head Analysis: BOK Financial (NASDAQ:BOKF) vs. Grupo Financiero Galicia (NASDAQ:GGAL)

Grupo Financiero Galicia (NASDAQ:GGAL) and BOK Financial (NASDAQ:BOKF) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, valuation, earnings, profitability, institutional ownership and dividends.

Dividends

Grupo Financiero Galicia pays an annual dividend of $0.57 per share and has a dividend yield of 1.6%. BOK Financial pays an annual dividend of $2.52 per share and has a dividend yield of 2.0%. Grupo Financiero Galicia pays out 23.3% of its earnings in the form of a dividend. BOK Financial pays out 23.8% 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. BOK Financial has increased its dividend for 20 consecutive years. BOK Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Risk & Volatility

Grupo Financiero Galicia has a beta of 1.29, indicating that its stock price is 29% more volatile than the S&P 500. Comparatively, BOK Financial has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500.

Earnings and Valuation

This table compares Grupo Financiero Galicia and BOK Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Grupo Financiero Galicia	$10.56 billion	0.54	$170.02 million	$2.45	14.51
BOK Financial	$3.38 billion	2.21	$577.99 million	$10.61	11.60

BOK Financial has lower revenue, but higher earnings than Grupo Financiero Galicia. BOK Financial is trading at a lower price-to-earnings ratio than Grupo Financiero Galicia, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Grupo Financiero Galicia and BOK Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Grupo Financiero Galicia	N/A	N/A	N/A
BOK Financial	18.97%	10.09%	1.16%

Insider and Institutional Ownership

34.4% of BOK Financial shares are held by institutional investors. 63.5% of BOK Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Grupo Financiero Galicia and BOK Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Grupo Financiero Galicia	1	4	2	0	2.14
BOK Financial	1	9	1	0	2.00

Grupo Financiero Galicia currently has a consensus target price of $65.00, indicating a potential upside of 82.84%. BOK Financial has a consensus target price of $140.70, indicating a potential upside of 14.33%. Given Grupo Financiero Galicia’s stronger consensus rating and higher possible upside, analysts plainly believe Grupo Financiero Galicia is more favorable than BOK Financial.

Summary

BOK Financial beats Grupo Financiero Galicia on 10 of the 16 factors compared between the two stocks.

About Grupo Financiero Galicia

Grupo Financiero Galicia S.A., a financial service holding company, provides various financial products and services to individuals and companies in Argentina. The company operates through Banks, NaranjaX, Insurance, and Other Businesses segments. It also offers personal loans; express and mortgage loans; pledge and credit card loans; credit and debit cards; and online banking services, as well as savings, deposits, and checking accounts related services. In addition, the company offers financing products; consumer finance and digital banking services; electronic check; global custody services; Fima funds; financial and stock market services to individuals, companies, and financial institutions; foreign trade services; and capital market and investment banking products that include debt securities, short-term securities, and financial trusts. Further, it provides robbery, personal accident, life collective, home, life, integral, pet, surety, and technical insurance products. Additionally, the company offers private banking services to high net worth individuals; and operates digital investment platform. Grupo Financiero Galicia S.A. was founded in 1905 and is based in Buenos Aires, Argentina.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.