Financial review: Elmira Savings Bank (NASDAQ: ESBK) vs. Coast Financial (NASDAQ: CCB)


Elmira Savings Bank (NASDAQ: ESBKGet a Score) and coastal finance (NASDAQ: CCBGet a Score) are both financing companies, but which is the best business? We will compare the two companies based on the strength of the risk, the valuation, the recommendations of the analysts, the institutional ownership, the profitability, the dividends and their profits.

Profitability

This table compares the net profit margins, return on equity and return on assets of Elmira Savings Bank and Coastal Financial.

Net Margins Return on Equity The return on assets
Elmira Savings Bank 19.63% N / A N / A
Coastal Economics 24.28% 16.29% 1.18%

Instability and Danger

Elmira Savings Bank has a beta of 0.98, which means that its share price is 2% less volatile than the S&P 500. By comparison, Coastal Financial has a beta of 1.22, which means that its share price is 22% more volatile than the S&P 500.

Profits and valuation

This table compares the top earnings, earnings per share and valuation of Elmira Savings Bank and Coastal Financial.

Gross income Price / sales ratio Net income earnings per share Price / profit ratio
Elmira Savings Bank $ 26.58 million N / A $ 5.22 million $ 1.48 15.51
Coastal Economics $ 111.20 million 5.06 $ 27.00 million $ 2.16 20.16

Coast Financial has higher revenues and profits than Elmira Savings Bank. Elmira Savings Bank is trading at a lower price-to-earnings ratio than Coast Financial, indicating that it is currently the most affordable of the two shares.

Analyst Evaluations

This is an analysis of recent ratings and recommendations for Elmira Savings Bank and Coast Financial, according to MarketBeat.com.

Sales ratings Keep ratings Buy Ratings Strong market ratings Evaluation score
Elmira Savings Bank 0 0 0 0 N / A
Coastal Economics 0 0 2 1 3.33

Coast Financial has a consensus target price of $ 58.33, indicating a possible upward trend of 33.95%. Given Coast Financial’s highest possible rise, analysts clearly believe that Coastal Financial is more favorable than Elmira Savings Bank.

Institutional and Interior Property

8.8% of the shares of Elmira Savings Bank are held by institutional investors. By comparison, 56.3% of Coast Financial shares are held by institutional investors. 21.4% of Coast Financial shares are privately owned. Strong institutional ownership is an indication that hedge funds, large money managers and donors believe a stock is ready for long-term growth.

Summary

Coast Financial beats Elmira Savings Bank in 13 of the 13 factors compared to the two shares.

About Elmira Savings Bank (Get a Score)

Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial accounts and NOW accounts. certificates of deposit? residential and commercial real estate, construction, commercial loans, and consumer loans, including installment loans, credit overdrafts, and home equity loans; The company also operates a real estate investment trust. and provides financial planning consulting services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler and Steuben counties. and a limited services office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is headquartered in Elmira, New York.

About Coast Financial (Get a Score)

Coast Financial Corporation acts as the portfolio banking company for Coast Community Bank that provides a variety of banking products and services to small and medium-sized businesses, businesses and individuals in the Puget Sound area of ​​Washington. Accepts a range of deposit products, including demand and savings accounts, time deposits and money market accounts. The company offers commercial and industrial loans, including time loans, small business loan management, trade credit, working capital loans, equipment financing, basic lending loans and other loan products. self-employed and non-real estate loans and multi-family home loans; construction and development loans; real estate mortgages; and consumer and other loans, including cars, boats and yachts; It also provides remote deposit capture, online and mobile banking, as well as instant and mutual deposit services, as well as debit cards. In addition, the company offers professional accounts and cash management services, including check and savings accounts and cash services, as well as banking services (BaaS), a platform that allows stockbrokers and digital financial service providers to offer banking services to their customers. There are 14 full service banking locations. Coast Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.



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