Comparing Suruga Bank (OTCMKTS:SUGBY) and Logansport Financial (OTCMKTS:LOGN)

Volatility and Risk

Suruga Bank has a beta of -0.05, meaning that its share price is 105% less volatile than the S&P 500. Comparatively, Logansport Financial has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

Valuation & Earnings

This table compares Suruga Bank and Logansport Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Suruga Bank	$730.15 million	1.89	$230.70 million	$13.12	6.10
Logansport Financial	$15.19 million	1.31	$1.76 million	$1.86	17.28

Suruga Bank has higher revenue and earnings than Logansport Financial. Suruga Bank is trading at a lower price-to-earnings ratio than Logansport Financial, indicating that it is currently the more affordable of the two stocks.

Dividends

Suruga Bank pays an annual dividend of $3.63 per share and has a dividend yield of 4.5%. Logansport Financial pays an annual dividend of $1.80 per share and has a dividend yield of 5.6%. Suruga Bank pays out 27.7% of its earnings in the form of a dividend. Logansport Financial pays out 96.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Profitability

This table compares Suruga Bank and Logansport Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Suruga Bank	33.98%	11.18%	0.99%
Logansport Financial	7.47%	N/A	N/A

Summary

Suruga Bank beats Logansport Financial on 8 of the 11 factors compared between the two stocks.

About Suruga Bank

Suruga Bank Ltd. provides various banking and financial products and services to individuals and corporate customers in Japan. The company offers deposit products, such as time, ordinary, savings, foreign currency, and other deposits, as well as current and general accounts; card, housing, second house, startup, and business up term loans, as well as loans by purpose; credit and debit cards; overdrafts; and other financing products. It also provides investment trust, public bond, pension contribution, insurance, inheritance/trust, lottery, foreign currency, pay-easy, web direct, safe deposit box, external linkage, foreign remittance, fund management, e-combination, payment, nursing care/medical care/dispensing compensation receivable factoring, mortgage, and Internet and telephone banking services. In addition, the company offers staffing, money lending, guarantee, printing, leasing, and agency services. The company was incorporated in 1895 and is headquartered in Numazu, Japan.

About Logansport Financial

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company’s personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.