Central Pacific Financial (NYSE:CPF) and Stewardship Financial (NASDAQ:SSFN) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership and valuation.
Volatility and Risk
Central Pacific Financial has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500. Comparatively, Stewardship Financial has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500.
Central Pacific Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.0%. Stewardship Financial pays an annual dividend of $0.12 per share and has a dividend yield of 1.3%. Central Pacific Financial pays out 41.8% of its earnings in the form of a dividend. Central Pacific Financial has raised its dividend for 3 consecutive years. Central Pacific Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Valuation & Earnings
This table compares Central Pacific Financial and Stewardship Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Central Pacific Financial||$237.10 million||3.41||$59.49 million||$2.01||13.95|
|Stewardship Financial||$39.42 million||2.11||$8.03 million||N/A||N/A|
Central Pacific Financial has higher revenue and earnings than Stewardship Financial.
This table compares Central Pacific Financial and Stewardship Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Central Pacific Financial||25.09%||12.30%||1.04%|
This is a breakdown of recent recommendations for Central Pacific Financial and Stewardship Financial, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Central Pacific Financial||0||0||0||0||N/A|
Institutional & Insider Ownership
94.1% of Central Pacific Financial shares are owned by institutional investors. Comparatively, 25.1% of Stewardship Financial shares are owned by institutional investors. 4.3% of Central Pacific Financial shares are owned by insiders. Comparatively, 10.3% of Stewardship Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Central Pacific Financial beats Stewardship Financial on 11 of the 13 factors compared between the two stocks.
Central Pacific Financial Company Profile
Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in Hawaii. The company operates in three segments: Banking Operations, Treasury, and All Others. It offers various deposit products and services, including personal and business checking and savings accounts, money market accounts, and time certificates of deposit. The company's lending activities comprise commercial loans, commercial mortgages, construction loans, and leases to small and medium-sized companies, business professionals, and real estate investors and developers, as well as residential mortgages and consumer loans to local homebuyers and individuals. It also provides debit cards, Internet and mobile banking, cash management services, traveler's checks, safe deposit boxes, international banking services, night depository facilities, foreign exchange and wire transfers, trust services, retail brokerage, and wholesale funding services. In addition, the company offers wealth management products and services, including non-deposit investment products, annuities, insurance, investment management, asset custody, and general consultation and planning services. It operates 35 branches and 79 ATMs in the state of Hawaii. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.
Stewardship Financial Company Profile
Stewardship Financial Corporation operates as the bank holding company for Atlantic Stewardship Bank that provides various commercial and retail banking products and services for small and medium-sized businesses, professionals, and individuals. The company offers various deposits, such as personal and business checking accounts, time deposits, money market accounts, regular savings accounts, certificates of deposit, and term certificate accounts. It also offers various loans consisting of commercial, consumer, residential real estate and mortgage, home equity, personal, construction, automobile, home improvement, and unsecured loans. The company, through its other subsidiaries, is involved in owning and managing an investment portfolio; and insurance business. It operates through main office in Midland Park, as well 11 branches in Hawthorne, Ridgewood, Montville, Morristown, North Haledon, Pequannock, Waldwick, Wayne, Westwood, and Wyckoff, New Jersey. The company was founded in 1984 and is based in Midland Park, New Jersey.
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