Financial Comparison: Avidbank (AVBH) & Banco Santander Mexico Sa Instcn De (BSMX)

Avidbank (OTCMKTS:AVBH) and Banco Santander Mexico Sa Instcn De (NYSE:BSMX) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, earnings, profitability, institutional ownership, valuation and risk.

Risk & Volatility

Avidbank has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500. Comparatively, Banco Santander Mexico Sa Instcn De has a beta of 1.3, suggesting that its stock price is 30% more volatile than the S&P 500.

Dividends

Banco Santander Mexico Sa Instcn De pays an annual dividend of $0.31 per share and has a dividend yield of 3.7%. Avidbank does not pay a dividend. Banco Santander Mexico Sa Instcn De pays out 41.3% of its earnings in the form of a dividend. Banco Santander Mexico Sa Instcn De has raised its dividend for 2 consecutive years.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Avidbank and Banco Santander Mexico Sa Instcn De, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Avidbank 0 0 0 0 N/A
Banco Santander Mexico Sa Instcn De 1 4 0 0 1.80

Banco Santander Mexico Sa Instcn De has a consensus target price of $7.40, suggesting a potential downside of 12.22%. Given Banco Santander Mexico Sa Instcn De’s higher probable upside, analysts clearly believe Banco Santander Mexico Sa Instcn De is more favorable than Avidbank.

Earnings & Valuation

This table compares Avidbank and Banco Santander Mexico Sa Instcn De’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Avidbank $45.30 million 3.04 $11.12 million N/A N/A
Banco Santander Mexico Sa Instcn De $6.90 billion N/A $1.02 billion $0.75 11.24

Banco Santander Mexico Sa Instcn De has higher revenue and earnings than Avidbank.

Profitability

This table compares Avidbank and Banco Santander Mexico Sa Instcn De’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Avidbank 24.54% 12.24% 1.35%
Banco Santander Mexico Sa Instcn De 14.95% 15.63% 1.44%

Insider and Institutional Ownership

9.0% of Avidbank shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Banco Santander Mexico Sa Instcn De beats Avidbank on 8 of the 12 factors compared between the two stocks.

About Avidbank

Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mateo, San Francisco, and Santa Clara counties. The company offers business and personal deposit products, such as checking account, money market account, saving account, and certificates of deposit. Its personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking offers working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending offers permanent loans and bridge financing products. The company provides financing solutions, such as technology and asset-based lending, and sponsor finance. The company also offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC – real estate secured loans. In addition, it provides various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.

About Banco Santander Mexico Sa Instcn De

Banco Santander (México), S.A., Institución de Banca Múltiple, Grupo Financiero Santander México provides various banking products and services in Mexico. The company operates through Retail Banking and Global Corporate Banking segments. It offers various deposit products, such as current accounts, savings accounts, and time deposits, as well as certificates of interbank deposits; and payroll loans, personal loans, credit cards, mortgages, and insurance brokerage services. The company also provides cash management, working capital solutions, and trade finance; structured credit and debt products, project finance, and asset based finance; financial and strategic advisory services for mergers and acquisition; solutions and services for investing and hedging; and Internet and mobile banking services. It serves individuals, private banking clients, small and medium-sized enterprises, government institutions, and corporate and institutional customers. As of December 31, 2017, it operated through a network of 1,375 offices; 7,323 ATMs; and 2,784 contact center positions. The company was formerly known as Banco Santander (México), S.A., Institución de Banca Múltiple, Grupo Financiero Santander and changed its name to Banco Santander (México), S.A., Institución de Banca Múltiple, Grupo Financiero Santander México in September 2012. The company was founded in 1932 and is headquartered in Mexico City, Mexico. Banco Santander (México), S.A., Institución de Banca Múltiple, Grupo Financiero Santander México is a subsidiary of Grupo Financiero Santander México, S.A. de C.V.

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