Comparing Enterprise Bancorp (NASDAQ:EBTC) and Sberbank of Russia (OTCMKTS:SBRCY)

Enterprise Bancorp (NASDAQ:EBTC) and Sberbank of Russia (OTCMKTS:SBRCY) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, profitability, valuation, dividends, earnings, institutional ownership and analyst recommendations.

Risk & Volatility

Enterprise Bancorp has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500. Comparatively, Sberbank of Russia has a beta of 1.56, suggesting that its share price is 56% more volatile than the S&P 500.

Dividends

Enterprise Bancorp pays an annual dividend of $0.96 per share and has a dividend yield of 3.3%. Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. Enterprise Bancorp pays out 33.0% of its earnings in the form of a dividend. Enterprise Bancorp has increased its dividend for 6 consecutive years.

Valuation and Earnings

This table compares Enterprise Bancorp and Sberbank of Russia’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Enterprise Bancorp	$218.66 million	1.66	$38.06 million	$2.91	10.06
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than Enterprise Bancorp.

Insider & Institutional Ownership

38.9% of Enterprise Bancorp shares are held by institutional investors. Comparatively, 0.1% of Sberbank of Russia shares are held by institutional investors. 21.7% of Enterprise Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Enterprise Bancorp and Sberbank of Russia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Enterprise Bancorp	14.99%	11.11%	0.79%
Sberbank of Russia	40.80%	21.45%	2.97%

Analyst Recommendations

This is a summary of current ratings for Enterprise Bancorp and Sberbank of Russia, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Enterprise Bancorp	0	0	0	0	N/A
Sberbank of Russia	0	0	0	0	N/A

Summary

Sberbank of Russia beats Enterprise Bancorp on 8 of the 12 factors compared between the two stocks.

About Enterprise Bancorp

Enterprise Bancorp, Inc. operates as the holding company for Enterprise Bank and Trust Company that engages in the provision of commercial banking products and services. It offers commercial and retail deposit products, including checking accounts, limited-transactional savings and money market accounts, commercial sweep products, and term certificates of deposit. The company also provides commercial real estate, commercial and industrial, commercial construction, residential, and consumer loans, as well as home equity loans and lines of credit. In addition, the company offers cash management services; wealth advisory and management services that include customized investment management and trust services to individuals, family groups, commercial businesses, trusts, foundations, non-profit organizations, and endowments; brokerage and management services to individual investors; insurance services; and online and mobile banking services. The company was founded in 1989 and is headquartered in Lowell, Massachusetts.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.