Banco Macro (NYSE:BMA) and Idaho Independent Bank (OTCMKTS:IIBK) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, dividends, valuation, earnings and profitability.
This is a summary of current ratings and price targets for Banco Macro and Idaho Independent Bank, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Idaho Independent Bank||0||0||0||0||N/A|
Volatility & Risk
Banco Macro has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of -0.15, meaning that its stock price is 115% less volatile than the S&P 500.
This table compares Banco Macro and Idaho Independent Bank’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Idaho Independent Bank||N/A||N/A||N/A|
Banco Macro pays an annual dividend of $4.36 per share and has a dividend yield of 18.0%. Idaho Independent Bank does not pay a dividend. Banco Macro pays out 55.8% of its earnings in the form of a dividend.
Earnings & Valuation
This table compares Banco Macro and Idaho Independent Bank’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Banco Macro||$2.15 billion||0.76||-$24.89 million||$7.82||3.10|
|Idaho Independent Bank||N/A||N/A||$10.06 million||N/A||N/A|
Idaho Independent Bank has lower revenue, but higher earnings than Banco Macro.
Institutional & Insider Ownership
27.0% of Banco Macro shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Banco Macro beats Idaho Independent Bank on 8 of the 11 factors compared between the two stocks.
About Banco Macro
Banco Macro S.A. provides various banking products and services to individuals and corporate customers in Argentina. It offers various retail products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines (ATMs), and money transfers. The company also provides personal loans, document discounts, mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services that include deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services. Further, the company provides trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; transaction services, such as collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; and information services, such as Datanet and Interpymes services to corporate customers. As of December 31, 2017, it operated through a network of 445 branches, 1,443 ATMs, 912 self-service terminals, and service points. Banco Macro S.A. also offers Internet banking services. The company was incorporated in 1988 and is headquartered in Buenos Aires, Argentina.
About Idaho Independent Bank
Idaho Independent Bank, a state-chartered bank, provides commercial banking services to individual and business customers in Idaho. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as credit and debit cards; and loans comprising home mortgage loans, construction loans, home equity lines of credit, auto loans, personal lines of credit, business term loans, operating lines of credit, commercial real estate loans, secured personal loans, commercial real estate loans, and small business loans, as well as agricultural equipment loans, farm acquisition loans, and government guaranteed loans. It also provides cash management services, including express deposit, wire transfers, automated clearing house, sweep accounts, imaging, positive pay, and other payment services, as well as merchant services. In addition, the company offers online banking, bill pay, overdraft opt-in/out, e-statements, cashier's check, safe deposit box, and mobile banking services. It operates through three branches in Boise, as well as branches in Coeur d'Alene, Hayden, Meridian, Nampa, Caldwell, Mountain Home, Ketchum, and Star, Idaho. Idaho Independent Bank was founded in 1993 and is based in Coeur d'Alene, Idaho.
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