Esquire Financial (NASDAQ:ESQ) and Grupo Supervielle (NYSE:SUPV) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends and risk.
Institutional and Insider Ownership
42.4% of Esquire Financial shares are owned by institutional investors. Comparatively, 26.8% of Grupo Supervielle shares are owned by institutional investors. 23.3% of Esquire Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Grupo Supervielle pays an annual dividend of $0.11 per share and has a dividend yield of 1.0%. Esquire Financial does not pay a dividend. Grupo Supervielle pays out 5.9% of its earnings in the form of a dividend.
Earnings and Valuation
This table compares Esquire Financial and Grupo Supervielle’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Esquire Financial||$36.81 million||4.92||$8.73 million||N/A||N/A|
|Grupo Supervielle||$1.40 billion||0.55||$147.19 million||$1.88||5.63|
Grupo Supervielle has higher revenue and earnings than Esquire Financial.
Volatility & Risk
Esquire Financial has a beta of 0.92, meaning that its stock price is 8% less volatile than the S&P 500. Comparatively, Grupo Supervielle has a beta of 0.23, meaning that its stock price is 77% less volatile than the S&P 500.
This table compares Esquire Financial and Grupo Supervielle’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of current ratings and price targets for Esquire Financial and Grupo Supervielle, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Esquire Financial presently has a consensus target price of $28.00, indicating a potential upside of 15.18%. Grupo Supervielle has a consensus target price of $11.80, indicating a potential upside of 11.53%. Given Esquire Financial’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Esquire Financial is more favorable than Grupo Supervielle.
Esquire Financial beats Grupo Supervielle on 10 of the 15 factors compared between the two stocks.
About Esquire Financial
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to law professionals, professional service firms, small to mid-sized businesses, and individuals in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2017, the company operated a branch in Garden City, New York; and an administrative office in Palm Beach Gardens, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.
About Grupo Supervielle
Grupo Supervielle S.A., a financial services holding company, provides banking products and services in Argentina. The company operates through Retail Banking, Corporate Banking, Treasury, Consumer Finance, Insurance, and Asset Management & Other Services segments. It accepts deposit accounts; and offers personal loans, foreign trade finance, and loans to the middle and lower-middle-income sectors. The company also offers credit cards; insurance and mutual fund products; and factoring, leasing, cash management, asset management, and microcredit financing services. In addition, it distributes treasury products, such as debt securities; and provides non-financial products and service. The company serves individuals, small and medium-sized enterprises, and medium to large-sized companies. It operates 340 access points, including 180 bank branches, 19 banking payment and collection centers, 80 CCF sales points, and 61 consumer financing branches and other sale points, as well as 521 ATMs and 193 self-service terminals. The company was formerly known as Inversiones y Participaciones S.A. and changed its name to Grupo Supervielle S.A. in November 2008. Grupo Supervielle S.A. was founded in 1887 and is headquartered in Buenos Aires, Argentina.
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