Esquire Financial (ESQ) vs. Banco Santander-Chile (BSAC) Financial Analysis

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Esquire Financial (NASDAQ:ESQ) and Banco Santander-Chile (NYSE:BSAC) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, dividends, analyst recommendations, earnings and institutional ownership.

Insider & Institutional Ownership

42.6% of Esquire Financial shares are owned by institutional investors. 23.3% of Esquire Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Esquire Financial and Banco Santander-Chile’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Esquire Financial 19.14% 9.40% 1.38%
Banco Santander-Chile 22.48% 18.27% 1.55%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Esquire Financial and Banco Santander-Chile, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Esquire Financial 0 0 1 0 3.00
Banco Santander-Chile 1 0 1 0 2.00

Esquire Financial presently has a consensus price target of $28.00, suggesting a potential upside of 28.85%. Banco Santander-Chile has a consensus price target of $33.00, suggesting a potential upside of 7.91%. Given Esquire Financial’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Esquire Financial is more favorable than Banco Santander-Chile.

Earnings and Valuation

This table compares Esquire Financial and Banco Santander-Chile’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Esquire Financial $25.91 million 6.25 $3.64 million N/A N/A
Banco Santander-Chile $4.14 billion 3.48 $844.20 million $1.94 15.76

Banco Santander-Chile has higher revenue and earnings than Esquire Financial.

Dividends

Banco Santander-Chile pays an annual dividend of $1.12 per share and has a dividend yield of 3.7%. Esquire Financial does not pay a dividend. Banco Santander-Chile pays out 57.7% of its earnings in the form of a dividend.

Risk & Volatility

Esquire Financial has a beta of 1.19, meaning that its stock price is 19% more volatile than the S&P 500. Comparatively, Banco Santander-Chile has a beta of 0.84, meaning that its stock price is 16% less volatile than the S&P 500.

Summary

Esquire Financial beats Banco Santander-Chile on 8 of the 14 factors compared between the two stocks.

About Esquire Financial

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to law professionals, professional service firms, small to mid-sized businesses, and individuals in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2017, the company operated a branch in Garden City, New York; and an administrative office in Palm Beach Gardens, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

About Banco Santander-Chile

Banco Santander-Chile provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, and Global Corporate Banking segments. The company offers checking accounts and savings products; consumer, auto, commercial, mortgage, and government-guaranteed loans; credit and debit cards; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines. It also provides mutual funds, insurance and stock brokerage, foreign exchange, leasing, factoring, financial consulting, investment management, foreign trade and mortgage financing, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, brokerage services, derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. The company operates 385 branches, which include 276 under the Santander brand name, 51 under the Select brand name, 7 specialized branches for the middle market, and 31 as auxiliary and payment centers, as well as 926 ATMs. Banco Santander-Chile was founded in 1977 and is headquartered in Santiago, Chile.

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