Access National (NASDAQ: ANCX) and KB Financial Group (NYSE:KB) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.
This is a breakdown of recent ratings and target prices for Access National and KB Financial Group, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|KB Financial Group||0||0||2||0||3.00|
Access National presently has a consensus target price of $31.00, suggesting a potential upside of 9.35%. Given Access National’s higher probable upside, equities research analysts clearly believe Access National is more favorable than KB Financial Group.
Earnings and Valuation
This table compares Access National and KB Financial Group’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Access National||$81.82 million||7.09||$16.40 million||$0.94||30.16|
|KB Financial Group||$9.97 billion||2.39||$1.78 billion||$7.54||7.89|
KB Financial Group has higher revenue and earnings than Access National. KB Financial Group is trading at a lower price-to-earnings ratio than Access National, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Access National has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, KB Financial Group has a beta of 1.18, suggesting that its stock price is 18% more volatile than the S&P 500.
Access National pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. KB Financial Group does not pay a dividend. Access National pays out 63.8% of its earnings in the form of a dividend.
Insider & Institutional Ownership
37.5% of Access National shares are owned by institutional investors. Comparatively, 5.7% of KB Financial Group shares are owned by institutional investors. 14.2% of Access National shares are owned by insiders. Comparatively, 69.0% of KB Financial Group 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.
This table compares Access National and KB Financial Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|KB Financial Group||23.89%||9.95%||0.80%|
KB Financial Group beats Access National on 9 of the 16 factors compared between the two stocks.
About Access National
Access National Corporation is a bank holding company. The Company operates through its subsidiary, Access National Bank (the Bank). The Bank offers a range of financial services and products, and specializes in providing customized financial services to small and medium sized businesses, professionals and associated individuals. The Company operates through three segments: traditional commercial banking, mortgage banking and wealth management. Its commercial banking segment includes loans, investment securities and deposit services. Its mortgage banking segment includes mortgage loans held for sale, sales of loans in the secondary mortgage market and loan origination. Its wealth management segment includes portfolio asset management. The commercial banking segment provides the mortgage banking segment with the short-term funds needed to originate mortgage loans through a warehouse line of credit and charges interest to the mortgage banking segment.
About KB Financial Group
KB Financial Group Inc. is a financial holding company in Korea. The Company’s operations include Kookmin Bank, a commercial bank in Korea. The Company operates through six business segments: retail banking operations, corporate banking operations, other banking operations, credit card operations, investment and securities operations, and life insurance operations. The retail banking operations segment consists of retail banking services provided by Kookmin Bank. The corporate banking operations consist of corporate banking services provided by Kookmin Bank. The other banking operations include treasury activities and back office administrative operations. The credit card operations segment consists of credit card activities. The investment and securities operations consist of securities brokerage, investment banking, securities investment and trading and other capital markets services. The life insurance segment consists of life insurance and wealth management services.
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