Summit State Bank (NASDAQ:SSBI – Get Free Report) and Bank of Hawaii (NYSE:BOH – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, valuation, risk, earnings, dividends, profitability and analyst recommendations.
Institutional and Insider Ownership
82.2% of Bank of Hawaii shares are owned by institutional investors. 2.1% of Bank of Hawaii shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Risk & Volatility
Summit State Bank has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500. Comparatively, Bank of Hawaii has a beta of 0.75, suggesting that its share price is 25% less volatile than the S&P 500.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Summit State Bank | $62.91 million | 1.18 | -$3.66 million | ($0.13) | -84.23 |
| Bank of Hawaii | $683.29 million | 3.84 | $149.99 million | $4.08 | 16.15 |
Bank of Hawaii has higher revenue and earnings than Summit State Bank. Summit State Bank is trading at a lower price-to-earnings ratio than Bank of Hawaii, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Summit State Bank and Bank of Hawaii’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Summit State Bank | -1.41% | N/A | N/A |
| Bank of Hawaii | 17.41% | 13.33% | 0.77% |
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for Summit State Bank and Bank of Hawaii, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Summit State Bank | 1 | 0 | 0 | 0 | 1.00 |
| Bank of Hawaii | 1 | 3 | 1 | 0 | 2.00 |
Bank of Hawaii has a consensus price target of $71.25, indicating a potential upside of 8.14%. Given Bank of Hawaii’s stronger consensus rating and higher possible upside, analysts plainly believe Bank of Hawaii is more favorable than Summit State Bank.
Summary
Bank of Hawaii beats Summit State Bank on 14 of the 14 factors compared between the two stocks.
About Summit State Bank
Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. It specializes in business services, personal accounts, nonprofit programs, and mobile banking ranging from lending, checking, merchant, eBanking, automated teller machines, equity loans, and others. The company was founded on December 20, 1982 and is headquartered in Santa Rosa, CA.
About Bank of Hawaii
Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, Guam, and other Pacific Islands. It operates in three segments: Consumer Banking, Commercial Banking, and Treasury and Other. The Consumer Banking segment offers checking, savings, and time deposit accounts; residential mortgage loans, home equity lines of credit, automobile loans and leases, overdraft lines of credit, installment loans, small business loans and leases, and credit cards; private and international client banking, investment, credit, and trust services to individuals and families, as well as high-net-worth individuals; investment management; institutional investment advisory services to corporations, government entities, and foundations; and brokerage offerings, including equities, mutual funds, life insurance, and annuity products. The Commercial Banking segment provides corporate banking, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products. This segment also offers commercial lending and deposit products to middle-market and large companies, and government entities; commercial real estate mortgages to investors, developers, and builders; and international banking and merchant services. The Treasury and Other segment provides corporate asset and liability management services, including interest rate risk management and foreign exchange services. Bank of Hawaii Corporation was founded in 1897 and is headquartered in Honolulu, Hawaii.
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