Critical Analysis: Avidbank (OTCMKTS:AVBH) versus BBVA Banco Frances (OTCMKTS:BBAR)

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BBVA Banco Frances (NYSE:BBAR) and Avidbank (OTCMKTS:AVBH) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, analyst recommendations, earnings, valuation, profitability, dividends and institutional ownership.

Analyst Recommendations

This is a breakdown of recent recommendations for BBVA Banco Frances and Avidbank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BBVA Banco Frances 1 1 1 0 2.00
Avidbank 0 0 0 0 N/A

Volatility and Risk

BBVA Banco Frances has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500. Comparatively, Avidbank has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500.

Valuation and Earnings

This table compares BBVA Banco Frances and Avidbank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
BBVA Banco Frances $1.63 billion 0.49 -$52.88 million ($0.19) -20.58
Avidbank $45.30 million 3.24 $11.12 million N/A N/A

Avidbank has lower revenue, but higher earnings than BBVA Banco Frances.

Profitability

This table compares BBVA Banco Frances and Avidbank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
BBVA Banco Frances 27.94% 47.60% 6.00%
Avidbank 24.67% N/A N/A

Institutional and Insider Ownership

12.0% of BBVA Banco Frances shares are held by institutional investors. Comparatively, 6.8% of Avidbank shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Dividends

BBVA Banco Frances pays an annual dividend of $0.26 per share and has a dividend yield of 6.6%. Avidbank does not pay a dividend. BBVA Banco Frances pays out -136.8% of its earnings in the form of a dividend.

Summary

BBVA Banco Frances beats Avidbank on 9 of the 12 factors compared between the two stocks.

BBVA Banco Frances Company Profile

BBVA Banco Francés S.A., together with its subsidiaries, provides financial services to small and medium enterprises, and individual customers in Spain, Mexico, South America, the United States, Turkey, and rest of Eurasia. The company offers current, checking, and savings accounts, as well as demand and time deposits. It also provides personal and auto loans, and mortgages; loans to the public sector and local financial institutions, and short-term loans to companies, as well as overdraft lines of credit, discounted instruments, real estate mortgage loans, collateral loans, consumer loans, credit card loans, pre-financing and export financing, and short-term placements in foreign banks. In addition, the company offers fire, mixed family and comprehensive, civil liability, theft, personal accidents, umbrella life, debtor balances, funeral services, and other insurance coverage products; investment fund and pension fund management services; and stock exchange brokerage services. Further, it provides financing for the acquisition of new and second-hand Peugeot and Citroën vehicles through pledge loans, receivables from financial leases, and other financial products and in supplying services associated to the purchase, maintenance, and insurance coverage of motor vehicles; and secured loans for the purchase of VW, Audi, and Ducati new or second hand vehicles, credit through operating leases, and other financial products and services, as well as engages in security trading, investment banking, and other authorized operations. As of December 31, 2017, it operated a network of 251 retail branches, 15 in-company branches, 1 points of sale, and 2 point of express support, 797 ATMs, 822 self-service terminals, a telephone banking, and Internet banking services. The company was formerly known as Banco Francés S.A. and changed its name to BBVA Banco Francés S.A. in October 2000. The company was founded in 1886 and is headquartered in Buenos Aires, the Republic of Argentina.

Avidbank Company Profile

Avidbank Holdings, Inc. operates as the bank holding company for Avidbank that provides financial products and services to small and middle-market businesses, professionals, and individuals in the San Mateo, San Francisco, and Santa Clara counties. The company offers business and personal deposit products, such as checking account, money market account, saving account, and certificates of deposit. Its personal lending products include secured and unsecured lines of credit, home equity lines of credit, remodel and new home construction loans, and term loans; corporate banking offers working capital lines of credit, equipment loans, acquisition financing, shareholder buyouts, ESOP loans, and owner-occupied real estate loans; and commercial real estate lending offers permanent loans and bridge financing products. The company provides financing solutions, such as technology and asset-based lending, and sponsor finance. The company also offers construction lending products, including land acquisition loans, pre-development loans, construction spec SFD, owner-occupied SFD, condominiums, subdivision, unsecured business lines, real estate bridge loans, and RLOC – real estate secured loans. In addition, it provides various services, such as automated clearing house payments and collections, bill pay, wire transfer, lockbox, merchant, remote deposit capture, ATM/debit cards, credit cards, business courier, cash management, and notary services. Avidbank Holdings, Inc. was founded in 2003 and is headquartered in San Jose, California.

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