First Seacoast Bancorp (NASDAQ:FSEA – Get Free Report) and Popular (NASDAQ:BPOP – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, risk, institutional ownership, valuation, analyst recommendations and dividends.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for First Seacoast Bancorp and Popular, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Seacoast Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Popular | 0 | 1 | 11 | 1 | 3.00 |
Popular has a consensus target price of $187.42, suggesting a potential upside of 17.95%. Given Popular’s stronger consensus rating and higher probable upside, analysts plainly believe Popular is more favorable than First Seacoast Bancorp.
Valuation & Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Seacoast Bancorp | $15.93 million | 5.10 | -$850,000.00 | ($0.04) | -431.25 |
| Popular | $4.44 billion | 2.28 | $833.16 million | $14.80 | 10.74 |
Popular has higher revenue and earnings than First Seacoast Bancorp. First Seacoast Bancorp is trading at a lower price-to-earnings ratio than Popular, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
First Seacoast Bancorp has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500. Comparatively, Popular has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500.
Institutional and Insider Ownership
38.4% of First Seacoast Bancorp shares are held by institutional investors. Comparatively, 87.3% of Popular shares are held by institutional investors. 7.8% of First Seacoast Bancorp shares are held by insiders. Comparatively, 2.1% of Popular shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Profitability
This table compares First Seacoast Bancorp and Popular’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Seacoast Bancorp | 0.15% | 0.07% | 0.01% |
| Popular | 21.37% | 15.34% | 1.26% |
Summary
Popular beats First Seacoast Bancorp on 13 of the 15 factors compared between the two stocks.
About First Seacoast Bancorp
First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.
About Popular
Popular, Inc., through its subsidiaries, provides various retail, mortgage, and commercial banking products and services in Puerto Rico, the United States, and the British Virgin Islands. The company provides savings, NOW, money market, and other interest-bearing demand accounts; non-interest bearing demand deposits; and certificates of deposit. It also offers commercial and industrial, commercial multi-family, commercial real estate, and residential mortgage loans; consumer loans, including personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers; construction loans; and lease financing comprising automobile loans/leases. In addition, the company provides investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services; debit cards; and online banking services. Popular, Inc. was founded in 1893 and is headquartered in Hato Rey, Puerto Rico.
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