Citigroup (NYSE:C) versus Shore Community Bank (OTCMKTS:SHRC) Head to Head Review

Citigroup (NYSE:C) and Shore Community Bank (OTCMKTS:SHRC) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, profitability, earnings, dividends, institutional ownership, analyst recommendations and valuation.

Profitability

This table compares Citigroup and Shore Community Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Citigroup	7.43%	6.62%	0.53%
Shore Community Bank	N/A	N/A	N/A

Valuation & Earnings

This table compares Citigroup and Shore Community Bank”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citigroup	$81.60 billion	1.65	$12.68 billion	$6.33	11.28
Shore Community Bank	N/A	N/A	N/A	N/A	N/A

Citigroup has higher revenue and earnings than Shore Community Bank.

Analyst Ratings

This is a breakdown of recent ratings for Citigroup and Shore Community Bank, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citigroup	0	3	11	0	2.79
Shore Community Bank	0	0	0	0	0.00

Citigroup currently has a consensus price target of $84.04, suggesting a potential upside of 17.71%. Given Citigroup’s stronger consensus rating and higher possible upside, research analysts plainly believe Citigroup is more favorable than Shore Community Bank.

Insider and Institutional Ownership

71.7% of Citigroup shares are owned by institutional investors. 0.1% of Citigroup shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Citigroup beats Shore Community Bank on 9 of the 9 factors compared between the two stocks.

About Citigroup

Citigroup Inc., a diversified financial service holding company, provides various financial product and services to consumers, corporations, governments, and institutions worldwide. It operates through five segments: Services, Markets, Banking, U.S. Personal Banking, and Wealth. The Services segment includes Treasury and Trade Solutions, which provides cash management, trade, and working capital solutions to multinational corporations, financial institutions, and public sector organizations; and Securities Services, such as cross-border support for clients, local market expertise, post-trade technologies, data solutions, and various securities services solutions. The Markets segment offers sales and trading services for equities, foreign exchange, rates, spread products, and commodities to corporate, institutional, and public sector clients; and market-making services, including asset classes, risk management solutions, financing, prime brokerage, research, securities clearing, and settlement. The banking segment includes investment banking; advisory services related to mergers and acquisitions, divestitures, restructurings, and corporate defense activities; and corporate lending, which includes corporate and commercial banking. The U.S. Personal Banking segment provides co-branded cards and retail banking services. The Wealth segment provides financial services to high-net-worth clients through banking, lending, mortgages, investment, custody, and trust product offerings; and to professional industries, including law firms, consulting groups, accounting, and asset management. The company was founded in 1812 and is headquartered in New York, New York.

About Shore Community Bank

Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey. The company's deposit products include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market accounts, visa/mastercard merchant deposit accounts, and payroll/direct deposit accounts. Its loan portfolio comprises personal, home equity, term, and demand loans; lines of credit; letters of credit; commercial mortgages; and construction lending. The company also offers direct deposit and electronic transfer, wire transfer, ACH origination, night depository, tenant rent security, signature guarantee, remote deposit, notary, and automated asset management services; safe deposit boxes, escrow accounts, and debit cards, as well as online and telephone banking services. As of April 28, 2016, it operated five banking offices located in Toms River, Jackson, and Manahawkin, New Jersey. Shore Community Bank was incorporated in 1996 and is headquartered in Toms River, New Jersey.