Community Shores Bank (OTCMKTS:CSHB) and Investors Bancorp (NASDAQ:ISBC) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.
Insider and Institutional Ownership
61.0% of Investors Bancorp shares are held by institutional investors. 39.7% of Community Shores Bank shares are held by company insiders. Comparatively, 3.5% of Investors Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Risk & Volatility
Community Shores Bank has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500. Comparatively, Investors Bancorp has a beta of 0.92, suggesting that its stock price is 8% less volatile than the S&P 500.
Valuation and Earnings
This table compares Community Shores Bank and Investors Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community Shores Bank||$8.94 million||1.17||-$980,000.00||N/A||N/A|
|Investors Bancorp||$978.50 million||4.69||$202.58 million||$0.81||15.79|
Investors Bancorp has higher revenue and earnings than Community Shores Bank.
Investors Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 3.4%. Community Shores Bank does not pay a dividend. Investors Bancorp pays out 54.3% of its earnings in the form of a dividend. Investors Bancorp has increased its dividend for 4 consecutive years.
This table compares Community Shores Bank and Investors Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Shores Bank||N/A||N/A||N/A|
This is a breakdown of current recommendations and price targets for Community Shores Bank and Investors Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Shores Bank||0||0||0||0||N/A|
Investors Bancorp has a consensus target price of $14.02, indicating a potential upside of 9.64%. Given Investors Bancorp’s higher probable upside, analysts clearly believe Investors Bancorp is more favorable than Community Shores Bank.
Investors Bancorp beats Community Shores Bank on 12 of the 14 factors compared between the two stocks.
Community Shores Bank Company Profile
Community Shores Bank Corporation operates as the holding company for Community Shores Bank, a community bank that provides various commercial and consumer banking services primarily in the communities of Muskegon County and Northern Ottawa County, Michigan. The company offers various deposit services, including checking and savings accounts, time deposits, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises fixed rate and adjustable rates loans, construction loans and loans for condominiums; home equity loans; and construction permanent loans. The company also provides installment loans and credit lines, including automobile loans, boat loans, recreational vehicle loans, home improvement loans, personal loans, and personal lines of credit; credit cards; and business loans, such as small business lines of credit, term loans commercial real estate loans, letters of credit, and SBA loans. In addition, it offers electronic and mobile banking services; overdrafts; re-order checks, wire transfers, safe deposit boxes, notary services, ATM and one-time debit card overdraft opt-in, gift cards, and courier services; and investment products. The company serves individuals, businesses, schools, associations, churches, nonprofit organizations, financial institutions, and government authorities. Community Shores Bank Corporation was founded in 1998 and is based in Muskegon, Michigan.
Investors Bancorp Company Profile
Investors Bancorp, Inc. operates as the holding company for Investors Bank that provides various banking products and services to individuals and businesses in the United States. Its deposit products include savings, checking, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises multi-family, commercial real estate, commercial and industrial, and construction loans; consumer and other loans primarily consisting of home equity loans, home equity lines of credit, and cash surrender value lending on life insurance contracts; and one-to four-family residential mortgage loans secured by one-to four-family residential real estate. As of December 11, 2018, it operated through a network of 151 branches in New Jersey and New York. The company was founded in 1926 and is headquartered in Short Hills, New Jersey.
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