Industrial & Cmrcl Bnk f China (IDCBY) versus Bancorp (TBBK) Critical Analysis

Bancorp (NASDAQ:TBBK) and Industrial & Cmrcl Bnk f China (OTCMKTS:IDCBY) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership and valuation.

Analyst Ratings

This is a summary of recent ratings and target prices for Bancorp and Industrial & Cmrcl Bnk f China, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 0 2 0 1 2.67
Industrial & Cmrcl Bnk f China 0 0 1 0 3.00

Bancorp currently has a consensus target price of $11.00, indicating a potential upside of 15.42%. Given Bancorp’s higher possible upside, research analysts clearly believe Bancorp is more favorable than Industrial & Cmrcl Bnk f China.

Profitability

This table compares Bancorp and Industrial & Cmrcl Bnk f China’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bancorp 6.61% 9.81% 0.75%
Industrial & Cmrcl Bnk f China 27.95% 13.75% 1.12%

Risk & Volatility

Bancorp has a beta of 1.19, suggesting that its stock price is 19% more volatile than the S&P 500. Comparatively, Industrial & Cmrcl Bnk f China has a beta of 1.23, suggesting that its stock price is 23% more volatile than the S&P 500.

Insider & Institutional Ownership

79.9% of Bancorp shares are held by institutional investors. Comparatively, 0.0% of Industrial & Cmrcl Bnk f China shares are held by institutional investors. 11.1% of Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Bancorp and Industrial & Cmrcl Bnk f China’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp $213.56 million 2.52 $21.67 million $0.51 18.69
Industrial & Cmrcl Bnk f China $150.25 billion 0.37 $42.34 billion N/A N/A

Industrial & Cmrcl Bnk f China has higher revenue and earnings than Bancorp.

Dividends

Industrial & Cmrcl Bnk f China pays an annual dividend of $0.61 per share and has a dividend yield of 4.7%. Bancorp does not pay a dividend.

Summary

Industrial & Cmrcl Bnk f China beats Bancorp on 9 of the 15 factors compared between the two stocks.

Bancorp Company Profile

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking accounts, savings accounts, money market accounts, commercial accounts, and prepaid and debit cards. It also provides securities backed lines of credit, vehicle fleet and other equipment leasing, small business administration loans, and loans generated for sale into capital markets primarily through commercial mortgage backed securities. In addition, it offers private label banking; credit and debit card payment processing for independent service organizations; institutional banking; and Internet banking services. The Bancorp, Inc. was founded in 1999 and is based in Wilmington, Delaware.

Industrial & Cmrcl Bnk f China Company Profile

Industrial and Commercial Bank of China Limited provides various banking products and services primarily in China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. This segment's products and services include corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody activities, various corporate intermediary services, etc. The Personal Banking segment provides personal loans and cards, deposits, personal wealth management, and personal intermediary services to individual customers. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions, as well as holding of derivative positions. The company also offers e-banking services, including Internet, telephone, and mobile banking services; and fund and asset management, trust, financial leasing, insurance, and other financial services. As of December 31, 2017, it operated approximately 16,469 domestic institutions and 419 overseas institutions. The company was formerly known as Industrial and Commercial Bank of China. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.

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