Comparing Xenith Bankshares (XBKS) and Glacier Bancorp (GBCI)

Xenith Bankshares (NASDAQ: XBKS) and Glacier Bancorp (NASDAQ:GBCI) are both financials companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, institutional ownership, earnings, profitability and valuation.

Volatility and Risk

Xenith Bankshares has a beta of 1.01, meaning that its share price is 1% more volatile than the S&P 500. Comparatively, Glacier Bancorp has a beta of 1.45, meaning that its share price is 45% more volatile than the S&P 500.

Insider & Institutional Ownership

58.7% of Xenith Bankshares shares are owned by institutional investors. Comparatively, 81.6% of Glacier Bancorp shares are owned by institutional investors. 31.7% of Xenith Bankshares shares are owned by insiders. Comparatively, 0.7% of Glacier Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Xenith Bankshares and Glacier Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Xenith Bankshares $103.54 million 7.59 $57.04 million $0.91 37.18
Glacier Bancorp $451.47 million 6.76 $121.13 million $1.72 22.74

Glacier Bancorp has higher revenue and earnings than Xenith Bankshares. Glacier Bancorp is trading at a lower price-to-earnings ratio than Xenith Bankshares, indicating that it is currently the more affordable of the two stocks.

Dividends

Glacier Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 2.1%. Xenith Bankshares does not pay a dividend. Glacier Bancorp pays out 48.8% of its earnings in the form of a dividend.

Profitability

This table compares Xenith Bankshares and Glacier Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Xenith Bankshares 18.26% 5.55% 0.82%
Glacier Bancorp 27.69% 11.35% 1.37%

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Xenith Bankshares and Glacier Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Xenith Bankshares 0 1 1 0 2.50
Glacier Bancorp 0 2 1 0 2.33

Xenith Bankshares presently has a consensus target price of $28.00, suggesting a potential downside of 17.23%. Glacier Bancorp has a consensus target price of $40.67, suggesting a potential upside of 3.95%. Given Glacier Bancorp’s higher probable upside, analysts clearly believe Glacier Bancorp is more favorable than Xenith Bankshares.

Summary

Glacier Bancorp beats Xenith Bankshares on 10 of the 15 factors compared between the two stocks.

Xenith Bankshares Company Profile

Xenith Bankshares, Inc., formerly Hampton Roads Bankshares, Inc., is a bank holding company for Xenith Bank. Xenith Bank is a commercial bank specifically targeting the banking needs of middle market and small businesses, local real estate developers and investors, and retail banking clients. Xenith Bank’s regional area of operations spans from Baltimore, Maryland, to Raleigh and eastern North Carolina, complementing its presence in greater Washington, D.C., greater Richmond, Virginia, and greater Hampton Roads, Virginia. Its service and products consist primarily of taking deposits from, and making loans to, its target customers within its target markets. It offers other banking related specialized products and services to its customers, such as travelers’ checks, coin counters, wire services, online banking and safe deposit box services. Additionally, it offers commercial customers various cash management products, including remote deposit.

Glacier Bancorp Company Profile

Glacier Bancorp, Inc. is a bank holding company. The Company provides commercial banking services. As of December 31, 2016, it provided banking services from approximately 140 locations in Montana, Idaho, Wyoming, Colorado, Utah and Washington, through its bank subsidiary, Glacier Bank (the Bank). It offers a range of banking products and services, including transaction and savings deposits, real estate, commercial, agriculture, and consumer loans and mortgage origination services. It serves individuals, small to medium-sized businesses, community organizations and public entities. It focuses its lending activities primarily on various types of loans, including first-mortgage, conventional loans secured by residential properties, particularly single-family; commercial lending, including agriculture that concentrates on targeted businesses, and installment lending for consumer purposes, including home equity and automobile.

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