Contrasting Industrial & Cmrcl Bnk f China (OTCMKTS:IDCBY) and Clarkston Financial (OTCMKTS:CKFC)

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

Risk and Volatility

Industrial & Cmrcl Bnk f China has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500. Comparatively, Clarkston Financial has a beta of 0.37, suggesting that its share price is 63% less volatile than the S&P 500.

Earnings and Valuation

This table compares Industrial & Cmrcl Bnk f China and Clarkston Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Industrial & Cmrcl Bnk f China $159.15 billion 1.42 $44.98 billion N/A N/A
Clarkston Financial $9.22 million 3.75 $2.35 million N/A N/A

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

Profitability

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

Net Margins Return on Equity Return on Assets
Industrial & Cmrcl Bnk f China 25.86% 12.43% 1.05%
Clarkston Financial 24.58% 13.80% 1.17%

Insider and Institutional Ownership

0.0% of Industrial & Cmrcl Bnk f China shares are held by institutional investors. 35.8% of Clarkston Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Industrial & Cmrcl Bnk f China and Clarkston Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Industrial & Cmrcl Bnk f China 0 1 0 0 2.00
Clarkston Financial 0 0 0 0 N/A

About Industrial & Cmrcl Bnk f China

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, broker dealer, insurance, and other financial services. It operates approximately 16,394 domestic institutions and 426 overseas institutions. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.

About Clarkston Financial

Clarkston Financial Corporation operates as a bank holding company for Clarkston State Bank, provides a range of banking products to retail and commercial customers in Michigan. The company offers checking, savings, money market, time deposit, and demand deposit accounts, as well as CDs and IRAs; commercial loan products, such as commercial real estate loans, small business administration loans, construction loans, equipment/fixed asset acquisition loans, lines of credit, letters of credit, and working capital and term loans; and consumer loan products, including auto loans, boat loans, motorcycle and RV loans, home equity lines of credit, and home equity loans, as well as credit cards. It also provides overdraft protection, cash management, and credit card merchant processing services; safe deposit boxes and sweep accounts; and check imaging, telephone banking, mobile banking, online banking, and wire transfer, and automated transaction machine services. The company operates through two full service branches. Clarkston Financial Corporation was founded in 1998 and is based in Waterford, Michigan.

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