Surrey Bancorp (OTCMKTS: SRYB – Get a rating) and the Columbia Banking System (NASDAQ:COLB – Get a rating) are both finance companies, but which company is superior? We’ll compare the two companies based on the strength of their profitability, valuation, institutional ownership, dividends, analyst recommendations, risk and earnings.
Surrey Bancorp pays an annual dividend of $0.42 per share and has a dividend yield of 2.8%. Columbia Banking System pays an annual dividend of $1.20 per share. Surrey Bancorp pays 38.2% of its profits as a dividend. Columbia Banking System pays 42.9% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Surrey Bancorp is clearly the best dividend-paying stock, given its higher yield and lower payout ratio.
This table compares the net margins, return on equity and return on assets of Surrey Bancorp and Columbia Banking System.
|Net margins||Return on equity||return on assets|
|Surrey Bancorp||30.75%||N / A||N / A|
|Colombian banking system||31.91%||9.30%||1.14%|
Institutional and Insider Ownership
3.7% of Surrey Bancorp shares are held by institutional investors. By comparison, 94.4% of Columbia Banking System’s stock is held by institutional investors. 33.7% of Surrey Bancorp shares are held by insiders. By comparison, 0.6% of Columbia Banking System’s stock is held by insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.
Valuation and benefits
This table compares the revenue, earnings per share (EPS), and valuation of Surrey Bancorp and Columbia Banking System.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Surrey Bancorp||$16.20 million||3.79||$5.10 million||$1.10||13.64|
|Colombian banking system||$630.16 million||0.00||$202.82 million||$2.80||N / A|
Columbia Banking System has higher revenue and profit than Surrey Bancorp. Columbia Banking System trades at a lower price-to-earnings ratio than Surrey Bancorp, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Surrey Bancorp has a beta of 0.56, suggesting its stock price is 44% less volatile than the S&P 500. In comparison, Columbia Banking System has a beta of 0.68, suggesting its stock price stock is 32% less volatile than the S&P 500.
This is a summary of the current ratings and target prices for Surrey Bancorp and Columbia Banking System, as provided by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Surrey Bancorp||0||0||0||0||N / A|
|Colombian banking system||0||3||2||0||2.40|
Columbia Banking System has a consensus target price of $35.60, suggesting a potential upside of ∞. Given Columbia Banking System’s likely higher upside, analysts clearly believe Columbia Banking System is more favorable than Surrey Bancorp.
Columbia Banking System beats Surrey Bancorp on 10 out of 14 factors compared between the two stocks.
Company Profile Surrey Bancorp (Get a rating)
Surrey Bancorp operates as a bank holding company for Surrey Bank & Trust which provides a variety of retail, small and medium business banking products and services in Surry County, North Carolina and Patrick County, as well as in and around Virginia. It offers checking and savings accounts, certificates of deposit, overdrafts and individual retirement accounts. The company also offers mortgage loans; home, consumer and personal loans; Lines of credit; trade credit products; government guaranteed loans; and credit cards. Additionally, it offers cash management, international, merchant card and other business services; and electronic banking and safe deposit boxes. The company was founded in 2003 and is based in Mount Airy, North Carolina.
Columbia Banking System Company Profile (Get a rating)
Columbia Banking System, Inc. operates as a bank holding company for Columbia State Bank which provides a range of banking services to small and medium-sized businesses, professionals and individuals in the United States. It offers personal banking products and services, including interest-free and interest-bearing checks, savings accounts, money market and certificates of deposit; home mortgages for purchases and refinances, home equity loans and lines of credit and other personal loans; debit and credit cards; and digital banking. The Company also provides business banking products and services, such as checking, savings, interest-bearing money market and certificate of deposit accounts; agricultural, asset-based, builder, and other commercial real estate loans, as well as loans guaranteed by the Small Business Administration; and professional banking, cash management, merchant card and international banking. In addition, it offers wealth management solutions that include financial planning services, such as asset allocation, net worth analysis, estate planning and preservation, education funding and transfer of assets; long-term care and life and disability insurance solutions; individual retirement solutions including retirement planning, retirement income strategies and traditional and Roth individual retirement accounts; and business solutions, which include corporate pension plans, key person insurance, corporate succession planning and deferred compensation plans for individuals, families and professional businesses. In addition, the company provides trust, investment and administrative trust services, such as personal and special needs trusts, estate settlement, investment agency and charitable organization management. It operates a network of 153 branches, including 68 in Washington State, 59 in Oregon, 15 in Idaho and 11 in California. The company was founded in 1993 and is based in Tacoma, Washington.
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