SmartFinancial (NASDAQ:SMBK – Get Free Report) and UniCredit (OTCMKTS:UNCRY – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings and risk.
Profitability
This table compares SmartFinancial and UniCredit’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
SmartFinancial | 9.93% | 6.55% | 0.62% |
UniCredit | N/A | N/A | N/A |
Volatility & Risk
SmartFinancial has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500. Comparatively, UniCredit has a beta of 1.18, suggesting that its share price is 18% more volatile than the S&P 500.
Dividends
Earnings and Valuation
This table compares SmartFinancial and UniCredit”s gross revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
SmartFinancial | $151.31 million | 3.51 | $28.59 million | $1.56 | 19.93 |
UniCredit | $26.50 billion | 2.73 | $9.32 billion | N/A | N/A |
UniCredit has higher revenue and earnings than SmartFinancial.
Insider and Institutional Ownership
58.8% of SmartFinancial shares are held by institutional investors. Comparatively, 0.3% of UniCredit shares are held by institutional investors. 7.7% of SmartFinancial shares are held by company insiders. 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.
Analyst Ratings
This is a summary of recent recommendations and price targets for SmartFinancial and UniCredit, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
SmartFinancial | 0 | 3 | 1 | 1 | 2.60 |
UniCredit | 0 | 0 | 0 | 0 | N/A |
SmartFinancial currently has a consensus target price of $27.00, suggesting a potential downside of 13.16%. Given SmartFinancial’s higher probable upside, equities research analysts clearly believe SmartFinancial is more favorable than UniCredit.
Summary
SmartFinancial beats UniCredit on 9 of the 14 factors compared between the two stocks.
About SmartFinancial
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, Leases, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; and direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and mid-size companies; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.
About UniCredit
UniCredit S.p.A. provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe. It offers retail, private, and wealth management solutions; and institutional investor solutions. The company also provides corporate finance advisory, rating advisory, financial sponsor, patient capital, capital structure advisory, and finance solutions, as well as securities services. In addition, it offers transactional and risk management, and strategic advisory and funding services; group trade and correspondent banking services; and payments and cash management solutions. The company serves SME, corporate, multinational corporate, financial institution, and public sector clients, as well as retail, private banking, wealth management, and family office clients. The company was founded in 1870 and is headquartered in Milan, Italy.
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