Summit State Bank (NASDAQ:SSBI) vs. Suruga Bank (OTCMKTS:SUGBY) Head-to-Head Review

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Summit State Bank (NASDAQ:SSBI – Get Rating) and Suruga Bank (OTCMKTS:SUGBY – Get Rating) are both finance companies, but which is the better investment? We’ll compare the two companies based on institutional ownership strength, dividends, profitability, risk, valuation, earnings, and analyst recommendations.

Institutional and Insider Ownership

12.9% of Summit State Bank shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings from Summit State Bank and Suruga Bank, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Summit State Bank 0 0 0 0 N / A
Suruga Bank 0 1 0 0 2.00

Profitability

This table compares the net margins, return on equity and return on assets of Summit State Bank and Suruga Bank.

Net margins Return on equity return on assets
Summit State Bank 31.39% N / A N / A
Suruga Bank N / A N / A N / A

Valuation and benefits

This table compares the gross revenue, earnings per share (EPS), and valuation of Summit State Bank and Suruga Bank.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Summit State Bank $46.87 million 2.11 $14.70 million $2.29 6.44
Suruga Bank $941.33 million N / A $201.47 million $9.54 2.92

Suruga Bank has higher revenue and profit than Summit State Bank. Suruga Bank trades at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.

Dividends

Summit State Bank pays an annual dividend of $0.48 per share and has a dividend yield of 3.2%. Suruga Bank pays an annual dividend of $0.66 per share and has a dividend yield of 2.4%. Summit State Bank pays 20.9% of its profits as a dividend. Suruga Bank pays 6.9% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Summit State Bank has increased its dividend for 1 consecutive years. Summit State Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Risk and Volatility

Summit State Bank has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. In comparison, Suruga Bank has a beta of -0.12, suggesting that its stock price is its stock is 112% less volatile than the S&P 500.

Summary

Summit State Bank beats Suruga Bank on 6 out of 10 factors compared between the two stocks.

Summit State Bank Company Profile (Get an assessment)

Summit State Bank provides a variety of personal and business banking products and services primarily in Sonoma County, California. It offers personal and business checking, money market, sweeping, savings and demand accounts; term deposit certificates; and specialty deposit accounts, such as business accounts, group small business accounts, tiered accounts, individual retirement accounts, and other retirement plan accounts. The company also provides loans, including commercial loans and leases; Lines of credit; commercial real estate, small business administration, residential mortgages and construction loans; home equity lines of credit; and lines of credit, term and equipment loans, and agriculture-related business loans. In addition, the company offers internet and telephone banking services; and other services, such as appointment banking, online banking, payroll and social security direct deposits, letters of credit, access to national ATM networks, messaging, safes, night deposits, notary, traveller’s checks, safe deposit box and banking by mail. In addition, it offers electronic banking, cash management and electronic bill payment services. The company operates through five filing offices located in Santa Rosa, Rohnert Park, Healdsburg and Petaluma, as well as loan origination offices in Roseville, California, Irvine and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.

Suruga Bank Company Profile (Get an assessment)

Suruga Bank logoSuruga Bank Ltd. provides various banking and financial products and services to individuals and businesses in Japan. The Company offers deposit products, such as term, ordinary, savings, foreign exchange and other deposits, as well as current and general accounts; card, housing, second home, vacation, start-up, project assistance, business term loan, as well as loan by object; credit and debit cards; and overdrafts and other financing products. It also provides Investment Funds, Government Bonds, Pension Contributions, Insurance, Inheritances/Trusts, Lotteries, Foreign Exchange Bookings, Easy Payments, Web Oral Receipts, Vaults, Links outsourcing, overseas remittances, fund management, e-combination, payment, nursing/medical/remuneration, factoring, mortgage, and Internet and telephone banking. In addition, the company offers staffing, money lending and credit guarantee, mortgage loan guarantee, printing, binding, packing and shipping, rental, agency of office and system engineering. It operates through a network of 128 branches in Japan. The company was founded in 1895 and is based in Numazu, Japan.



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