Head to Head Survey: KBC Grp NV/ADR (KBCSY) & Esquire Financial (ESQ)

KBC Grp NV/ADR (OTCMKTS:KBCSY) and Esquire Financial (NASDAQ:ESQ) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their risk, dividends, valuation, institutional ownership, profitability, earnings and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for KBC Grp NV/ADR and Esquire Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
KBC Grp NV/ADR 0 0 0 0 N/A
Esquire Financial 0 0 1 0 3.00

Esquire Financial has a consensus target price of $28.00, indicating a potential upside of 11.78%. Given Esquire Financial’s higher possible upside, analysts plainly believe Esquire Financial is more favorable than KBC Grp NV/ADR.

Dividends

KBC Grp NV/ADR pays an annual dividend of $1.61 per share and has a dividend yield of 4.6%. Esquire Financial does not pay a dividend. KBC Grp NV/ADR pays out 47.2% of its earnings in the form of a dividend.

Institutional & Insider Ownership

0.1% of KBC Grp NV/ADR shares are held by institutional investors. Comparatively, 42.4% of Esquire Financial shares are held by institutional investors. 23.3% of Esquire Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk & Volatility

KBC Grp NV/ADR has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500. Comparatively, Esquire Financial has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500.

Profitability

This table compares KBC Grp NV/ADR and Esquire Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
KBC Grp NV/ADR 24.35% 12.64% 0.79%
Esquire Financial 19.14% 9.50% 1.43%

Valuation and Earnings

This table compares KBC Grp NV/ADR and Esquire Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
KBC Grp NV/ADR $11.20 billion 2.60 $2.91 billion $3.41 10.22
Esquire Financial $25.91 million 7.20 $3.64 million N/A N/A

KBC Grp NV/ADR has higher revenue and earnings than Esquire Financial.

Summary

Esquire Financial beats KBC Grp NV/ADR on 9 of the 14 factors compared between the two stocks.

KBC Grp NV/ADR Company Profile

KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients primarily in Belgium, Bulgaria, the Czech Republic, Hungary, Ireland, and Slovakia. It accepts deposits; offers loans to individuals, businesses, and public authorities; and provides services, including payments, cash management, trade finance, leasing, corporate finance, and money and capital market products, as well as offers asset management services. KBC Group NV serves customers through a network of approximately 1,521 bank branches, as well as through insurance distribution networks and electronic channels. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.

Esquire Financial Company Profile

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.

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