Financial Institutions (NASDAQ:FISI) and China Commercial Credit (NASDAQ:CCCR) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings and risk.
Insider and Institutional Ownership
70.8% of Financial Institutions shares are held by institutional investors. Comparatively, 0.3% of China Commercial Credit shares are held by institutional investors. 4.3% of Financial Institutions shares are held by company insiders. Comparatively, 2.2% of China Commercial Credit shares are held by company 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.
Earnings & Valuation
This table compares Financial Institutions and China Commercial Credit’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Financial Institutions||$164.84 million||2.82||$33.52 million||$1.94||15.02|
|China Commercial Credit||N/A||N/A||N/A||N/A||N/A|
Financial Institutions has higher revenue and earnings than China Commercial Credit.
This is a summary of recent recommendations and price targets for Financial Institutions and China Commercial Credit, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|China Commercial Credit||0||0||0||0||N/A|
Financial Institutions currently has a consensus target price of $35.50, suggesting a potential upside of 21.87%. Given Financial Institutions’ higher probable upside, equities research analysts clearly believe Financial Institutions is more favorable than China Commercial Credit.
This table compares Financial Institutions and China Commercial Credit’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|China Commercial Credit||N/A||N/A||N/A|
Financial Institutions pays an annual dividend of $0.96 per share and has a dividend yield of 3.3%. China Commercial Credit does not pay a dividend. Financial Institutions pays out 49.5% of its earnings in the form of a dividend.
Financial Institutions beats China Commercial Credit on 9 of the 10 factors compared between the two stocks.
About Financial Institutions
Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. The company offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investments, as well as individual retirement and other qualified plan accounts. It also provides short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans to finance the purchase of real property; and one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit, as well as consumer loans, such as automobile, recreational vehicle, boat, personal, and deposit account collateralized loans. In addition, the company provides personal insurance, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance, such as property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, Medicare supplements, long-term care, annuities, mutual funds, and retirement programs. Further, it offers customized investment management, investment consulting and advisory, and wealth management services, as well as retirement plan services; and invests in various securities. As of February 28, 2018, the company operated a network of approximately 50 offices throughout Western and Central New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
About China Commercial Credit
China Commercial Credit, Inc., through its subsidiaries, operates as a microcredit company in the People's Republic of China. It provides direct loans, including secured loans comprising guarantee-backed loans and collateral-backed loans. China Commercial Credit, Inc. also offers financial guarantee services to third party lenders; and financial leasing services. It serves small-to-medium sized enterprises, farmers, and individuals in Wujiang, Jiangsu Province. The company was founded in 2008 and is based in Suzhou, the People's Republic of China.
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