Comparing Grupo Supervielle (SUPV) and Sandy Spring Bancorp (SASR)

Grupo Supervielle (NYSE: SUPV) and Sandy Spring Bancorp (NASDAQ:SASR) are both banks – nec companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, earnings, risk, valuation, analyst recommendations, profitability and institutional ownership.

Profitability

This table compares Grupo Supervielle and Sandy Spring Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Grupo Supervielle 11.11% 23.29% 3.18%
Sandy Spring Bancorp 21.63% 10.91% 1.15%

Valuation & Earnings

This table compares Grupo Supervielle and Sandy Spring Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Grupo Supervielle $733.33 million 3.25 $88.77 million $1.45 22.59
Sandy Spring Bancorp $246.04 million 3.92 $48.25 million $2.20 18.30

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

Dividends

Grupo Supervielle pays an annual dividend of $0.05 per share and has a dividend yield of 0.2%. Sandy Spring Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Grupo Supervielle pays out 3.4% of its earnings in the form of a dividend. Sandy Spring Bancorp pays out 47.3% 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.

Analyst Ratings

This is a breakdown of recent ratings and price targets for Grupo Supervielle and Sandy Spring Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Grupo Supervielle 0 0 2 0 3.00
Sandy Spring Bancorp 0 3 1 0 2.25

Grupo Supervielle currently has a consensus target price of $26.50, indicating a potential downside of 19.08%. Sandy Spring Bancorp has a consensus target price of $44.67, indicating a potential upside of 10.97%. Given Sandy Spring Bancorp’s higher possible upside, analysts plainly believe Sandy Spring Bancorp is more favorable than Grupo Supervielle.

Institutional and Insider Ownership

58.8% of Grupo Supervielle shares are owned by institutional investors. Comparatively, 70.4% of Sandy Spring Bancorp shares are owned by institutional investors. 2.6% of Sandy Spring Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Grupo Supervielle beats Sandy Spring Bancorp on 8 of the 15 factors compared between the two stocks.

Grupo Supervielle Company Profile

Grupo Supervielle SA is an Argentina-based holding company primarily engaged in the financial sector. The Company provides services through numerous subsidiaries, such as Banco Supervielle SA, that offers bank services, mainly to individuals and commercial customers; Cordial Compania Financiera SA, which focuses on credit card issuing, as well as providing consumer loans and insurance for Wal-Mart Argentina customers; Tarjeta Automatica SA, which issues and administrates credit cards; Cordial Microfinanzas SA, that offers financing for urban micro-enterprises; Supervielle Seguros SA, which sells insurance products; Supervielle Asset Management Sociedad Gerente de FCI SA, which manages investment funds, and Espacio Cordial Servicios SA, that distributes audio and video equipment, computers, home appliance and air conditioning units, among others. The Company operates in the domestic market.

Sandy Spring Bancorp Company Profile

Sandy Spring Bancorp, Inc. is the bank holding company for Sandy Spring Bank (the Bank). The Company operates through three segments: Community Banking, Insurance and Investment Management. The Company’s Community Banking segment operates through Sandy Spring Bank and involves delivering a range of financial products and services, including various loan and deposit products to both individuals and businesses. The Insurance segment operates through Sandy Spring Insurance Corporation, a subsidiary of the Bank, and offers annuities as an alternative to traditional deposit accounts. The Investment Management segment operates through West Financial Services, Inc., a subsidiary of the Bank, which provides investment management and financial planning services. As of December 31, 2016, the Bank conducted commercial banking business through 44 community offices and six financial centers located in Central Maryland, Northern Virginia and Washington D.C.

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