BANCO DO BRASIL/S (OTCMKTS:BDORY) and Hanmi Financial (NASDAQ:HAFC) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, earnings, dividends, institutional ownership, valuation, risk and profitability.
Risk and Volatility
BANCO DO BRASIL/S has a beta of 2.5, suggesting that its share price is 150% more volatile than the S&P 500. Comparatively, Hanmi Financial has a beta of 0.79, suggesting that its share price is 21% less volatile than the S&P 500.
Institutional & Insider Ownership
0.0% of BANCO DO BRASIL/S shares are owned by institutional investors. Comparatively, 88.5% of Hanmi Financial shares are owned by institutional investors. 2.7% of Hanmi Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This table compares BANCO DO BRASIL/S and Hanmi Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|BANCO DO BRASIL/S||N/A||N/A||N/A|
BANCO DO BRASIL/S pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Hanmi Financial pays an annual dividend of $0.96 per share and has a dividend yield of 3.9%. Hanmi Financial pays out 53.0% of its earnings in the form of a dividend. Hanmi Financial has raised its dividend for 4 consecutive years. Hanmi Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This is a breakdown of recent recommendations and price targets for BANCO DO BRASIL/S and Hanmi Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|BANCO DO BRASIL/S||0||1||0||0||2.00|
Hanmi Financial has a consensus target price of $30.00, indicating a potential upside of 23.20%. Given Hanmi Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Hanmi Financial is more favorable than BANCO DO BRASIL/S.
Valuation and Earnings
This table compares BANCO DO BRASIL/S and Hanmi Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BANCO DO BRASIL/S||$56.06 billion||0.47||$2.30 billion||N/A||N/A|
|Hanmi Financial||$242.74 million||3.26||$54.66 million||$1.81||13.45|
BANCO DO BRASIL/S has higher revenue and earnings than Hanmi Financial.
Hanmi Financial beats BANCO DO BRASIL/S on 11 of the 15 factors compared between the two stocks.
BANCO DO BRASIL/S Company Profile
Banco do Brasil S.A. provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. The company's Banking segment offers various products and services, including deposits, loans, and services to retail, wholesale, and public sector markets, as well as to micro-entrepreneurs and the low income population. Its Investments segment engages in the intermediation and distribution of debts in the primary and secondary markets; equity investment activities; and rendering of financial services. The company's Fund Management segment is involved in the purchase, sale, and custody of securities, as well as the management of portfolios, and investment funds and clubs. Its Insurance, Pension and Capitalization segment provides life, property, and automobile insurance products, as well as private pension and capitalization plans. The company's Payment Methods segment is involved in the funding, transmission, processing, and settlement of transactions through electronic means. Its Other segment engages in the provision of credit recovery and consortium administration services; development, manufacturing, leasing, and integration of digital electronic systems and equipment, peripherals, programs, inputs, and computing supplies; intermediation of air tickets; and lodging and organization of events. Banco do Brasil S.A. was founded in 1808 and is headquartered in Brasília, Brazil.
Hanmi Financial Company Profile
Hanmi Financial Corporation operates as the holding company for Hanmi Bank that provides business banking products and services in the United States. The company offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It also provides real estate loans, including commercial property, construction, and residential property loans; and commercial and industrial loans, such as commercial term loans and commercial lines of credit, as well as international finance, and trade services and products comprising letters of credit, and import and export financing. In addition, the company offers consumer loans that include automobile loans, secured and unsecured personal loans, home improvement loans, home equity lines of credit, unsecured lines of credit, and credit cards; and small business administration loans for business purposes, which comprise owner-occupied commercial real estate, business acquisitions, start-ups, franchise financing, working capital, improvements and renovations, inventory and equipment, and debt-refinancing, as well as equipment lease financing. As of January 25, 2018, it operated a network of 40 full-service branches and 8 loan production offices in California, Texas, Illinois, Virginia, New Jersey, New York, Colorado, Washington, and Georgia. The company was founded in 2000 and is headquartered in Los Angeles, California.
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