Woori Bank (NYSE: WF) and First NBC Bank Holding Company (OTCMKTS:FNBC) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, profitabiliy, risk, valuation, dividends and earnings.

Analyst Ratings

This is a breakdown of recent ratings for Woori Bank and First NBC Bank Holding Company, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Woori Bank 0 1 1 0 2.50
First NBC Bank Holding Company 0 3 0 0 2.00

Woori Bank presently has a consensus price target of $7.00, indicating a potential downside of 85.63%. First NBC Bank Holding Company has a consensus price target of $4.83, indicating a potential upside of 3,705.77%. Given First NBC Bank Holding Company’s higher probable upside, analysts plainly believe First NBC Bank Holding Company is more favorable than Woori Bank.

Valuation and Earnings

This table compares Woori Bank and First NBC Bank Holding Company’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Woori Bank N/A N/A N/A $4.81 10.13
First NBC Bank Holding Company N/A N/A N/A $3.09 0.04

First NBC Bank Holding Company is trading at a lower price-to-earnings ratio than Woori Bank, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Woori Bank and First NBC Bank Holding Company’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Woori Bank 15.60% 7.17% 0.47%
First NBC Bank Holding Company 10.67% 3.71% 0.33%

Volatility & Risk

Woori Bank has a beta of 1.06, meaning that its share price is 6% more volatile than the S&P 500. Comparatively, First NBC Bank Holding Company has a beta of 1.71, meaning that its share price is 71% more volatile than the S&P 500.

Dividends

Woori Bank pays an annual dividend of $0.80 per share and has a dividend yield of 1.6%. First NBC Bank Holding Company does not pay a dividend. Woori Bank pays out 16.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

0.3% of Woori Bank shares are owned by institutional investors. Comparatively, 73.9% of First NBC Bank Holding Company shares are owned by institutional investors. 8.4% of First NBC Bank Holding Company 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.

Summary

Woori Bank beats First NBC Bank Holding Company on 7 of the 12 factors compared between the two stocks.

Woori Bank Company Profile

Woori Finance Holdings Co., Ltd. is a financial holding company. The Company serves over 24 million corporate and retail customers with a range of financial services, including commercial banking, credit card, capital market, international banking, wealth management and bancassurance services. The Company’s domestic network consists of more than 1,300 branches and 8,500 cash terminals. Its banking subsidiaries include Woori Bank, Kwangju Bank and Kyongnam Bank. Its non-banking subsidiaries include Woori Investment & Securities, Woori AVIVA Life Insurance, Woori CS Asset Management, Woori Financial, Woori Finance Information System, Woori F&I and Woori Private Equity.

First NBC Bank Holding Company Company Profile

First NBC Bank Holding Company is a bank holding company. The Company offers a range of financial services through its banking subsidiary, First NBC Bank. The Company operates through community banking segment. It offers financial services to businesses, institutions and individuals in southeastern Louisiana and the Florida panhandle. The Company’s primary focus is on commercial real estate and commercial lending. Its loans include construction loans, commercial real estate loans, consumer real estate loans, commercial and industrial loans, and consumer loans. Its securities portfolio consists primarily of the United States Government agency obligations, mortgage-backed securities, and municipal securities, although the Company also holds corporate bonds. The Company’s primary source of funding for its loans is deposits. Its deposits include noninterest-bearing demand, negotiable order of withdrawal (NOW) accounts, money market accounts, savings deposits and certificates of deposit.

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