SVB Financial Group (NASDAQ:SIVB – Get Rating) and Colony Bankcorp (NASDAQ:CBAN – Get Rating) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, analyst recommendations, valuation, institutional ownership and earnings.
This table compares SVB Financial Group and Colony Bankcorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|SVB Financial Group||25.57%||13.72%||0.81%|
This is a breakdown of current recommendations and price targets for SVB Financial Group and Colony Bankcorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|SVB Financial Group||0||9||10||0||2.53|
Earnings and Valuation
This table compares SVB Financial Group and Colony Bankcorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|SVB Financial Group||$6.03 billion||2.18||$1.83 billion||$26.95||8.24|
|Colony Bankcorp||$106.88 million||2.26||$18.66 million||$1.13||12.11|
SVB Financial Group has higher revenue and earnings than Colony Bankcorp. SVB Financial Group is trading at a lower price-to-earnings ratio than Colony Bankcorp, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
SVB Financial Group has a beta of 1.52, meaning that its stock price is 52% more volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.54, meaning that its stock price is 46% less volatile than the S&P 500.
Insider & Institutional Ownership
91.5% of SVB Financial Group shares are held by institutional investors. Comparatively, 73.1% of Colony Bankcorp shares are held by institutional investors. 0.6% of SVB Financial Group shares are held by company insiders. Comparatively, 7.7% of Colony Bankcorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
SVB Financial Group beats Colony Bankcorp on 11 of the 14 factors compared between the two stocks.
About SVB Financial Group
SVB Financial Group, a diversified financial services company, offers various banking and financial products and services. It operates through four segments: Global Commercial Bank, SVB Private Bank, SVB Capital, and SVB Securities. The Global Commercial Bank segment provides commercial banking products and services, including credit, treasury management, foreign exchange, trade finance, and other financial products and services. This segment also offers traditional term and equipment loans, asset-based loans, revolving lines of credit, warehouse facilities, recurring revenue and acquisition finance facilities, mezzanine lending, corporate working capital facilities, and credit card programs; treasury management products and services; business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts; receivables services, which include merchant services, remote capture, lockbox, and fraud control services; wire transfer and automated clearing house payment services; business bill pay, credit and debit cards, account analysis, and disbursement services. In addition, it offers foreign exchange and trade finance products and services; letters of credit; and investment services and solutions. The SVB Private Bank segment offers mortgages, home equity lines of credit, restricted and private stock loans, capital call lines of credit, and other secured and unsecured lending products; planning-based financial strategies, wealth management, family office, financial planning, tax planning, and trust services; and real estate secured loans. The SVB Capital segment provides venture capital investment services. The SVB Securities segment provides investment banking services; products and services, including capital raising, merger and acquisition advisory, equity research, and sales and trading. It operates through 56 offices in the United States and internationally. The company was founded in 1983 and is headquartered in Santa Clara, California.
About Colony Bankcorp
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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