Bank7 (NASDAQ:BSVN – Get Free Report) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, profitability, earnings, institutional ownership, analyst recommendations, valuation and dividends.
Profitability
This table compares Bank7 and Seacoast Banking Corporation of Florida’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank7 | 31.77% | 18.18% | 2.34% |
| Seacoast Banking Corporation of Florida | 14.42% | 8.23% | 1.11% |
Earnings and Valuation
This table compares Bank7 and Seacoast Banking Corporation of Florida”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bank7 | $137.26 million | 3.07 | $43.07 million | $4.66 | 9.50 |
| Seacoast Banking Corporation of Florida | $935.52 million | 3.15 | $144.88 million | $1.52 | 19.94 |
Seacoast Banking Corporation of Florida has higher revenue and earnings than Bank7. Bank7 is trading at a lower price-to-earnings ratio than Seacoast Banking Corporation of Florida, indicating that it is currently the more affordable of the two stocks.
Dividends
Bank7 pays an annual dividend of $1.08 per share and has a dividend yield of 2.4%. Seacoast Banking Corporation of Florida pays an annual dividend of $0.76 per share and has a dividend yield of 2.5%. Bank7 pays out 23.2% of its earnings in the form of a dividend. Seacoast Banking Corporation of Florida pays out 50.0% 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. Bank7 has increased its dividend for 5 consecutive years and Seacoast Banking Corporation of Florida has increased its dividend for 4 consecutive years.
Insider and Institutional Ownership
23.5% of Bank7 shares are owned by institutional investors. Comparatively, 81.8% of Seacoast Banking Corporation of Florida shares are owned by institutional investors. 25.7% of Bank7 shares are owned by insiders. Comparatively, 1.5% of Seacoast Banking Corporation of Florida shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Volatility & Risk
Bank7 has a beta of 0.93, suggesting that its share price is 7% less volatile than the S&P 500. Comparatively, Seacoast Banking Corporation of Florida has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and target prices for Bank7 and Seacoast Banking Corporation of Florida, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank7 | 0 | 0 | 3 | 1 | 3.25 |
| Seacoast Banking Corporation of Florida | 0 | 3 | 3 | 0 | 2.50 |
Bank7 currently has a consensus target price of $54.50, indicating a potential upside of 23.14%. Seacoast Banking Corporation of Florida has a consensus target price of $33.13, indicating a potential upside of 9.29%. Given Bank7’s stronger consensus rating and higher possible upside, analysts plainly believe Bank7 is more favorable than Seacoast Banking Corporation of Florida.
Summary
Bank7 beats Seacoast Banking Corporation of Florida on 11 of the 17 factors compared between the two stocks.
About Bank7
Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit, commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising residential real estate loans and mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as secured and unsecured term loans and home improvement loans. It operates through a network of full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.
About Seacoast Banking Corporation of Florida
Seacoast Banking Corp. of Florida is a financial holding company, which engages in the provision of integrated financial services. It provides banking and investment services to businesses and consumers, including personal and business deposit products, Internet and mobile banking, personal, commercial and mortgage loans, wealth management services, and treasury management solutions. The company was founded in 1983 and is headquartered in Stuart, FL.
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