Pinnacle Financial Partners (NASDAQ:PNFP) and Solera National Bancorp (OTCMKTS:SLRK) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, valuation, risk, institutional ownership and earnings.
Pinnacle Financial Partners pays an annual dividend of $0.64 per share and has a dividend yield of 1.1%. Solera National Bancorp does not pay a dividend. Pinnacle Financial Partners pays out 13.5% of its earnings in the form of a dividend.
Risk & Volatility
Pinnacle Financial Partners has a beta of 1.39, indicating that its share price is 39% more volatile than the S&P 500. Comparatively, Solera National Bancorp has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500.
This is a summary of current recommendations and price targets for Pinnacle Financial Partners and Solera National Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pinnacle Financial Partners||0||2||4||0||2.67|
|Solera National Bancorp||0||0||0||0||N/A|
Pinnacle Financial Partners currently has a consensus price target of $63.83, indicating a potential upside of 7.77%. Given Pinnacle Financial Partners’ higher probable upside, equities research analysts plainly believe Pinnacle Financial Partners is more favorable than Solera National Bancorp.
Institutional & Insider Ownership
81.8% of Pinnacle Financial Partners shares are held by institutional investors. Comparatively, 1.3% of Solera National Bancorp shares are held by institutional investors. 3.0% of Pinnacle Financial Partners shares are held by insiders. Comparatively, 17.4% of Solera National Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
This table compares Pinnacle Financial Partners and Solera National Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pinnacle Financial Partners||30.80%||9.53%||1.51%|
|Solera National Bancorp||27.41%||N/A||N/A|
Valuation & Earnings
This table compares Pinnacle Financial Partners and Solera National Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Pinnacle Financial Partners||$1.15 billion||4.00||$359.44 million||$4.74||12.50|
|Solera National Bancorp||$9.05 million||4.94||$2.23 million||N/A||N/A|
Pinnacle Financial Partners has higher revenue and earnings than Solera National Bancorp.
Pinnacle Financial Partners beats Solera National Bancorp on 10 of the 14 factors compared between the two stocks.
Pinnacle Financial Partners Company Profile
Pinnacle Financial Partners, Inc. operates as a bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance products primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, interest rate derivatives, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit and credit cards, direct and remote deposit, automated teller machine, and cash management services. It serves individuals, small-to medium-sized businesses, and professional entities. As of December 31, 2018, the company operates 114 offices, including 47 in Tennessee, 38 in North Carolina, 21 in South Carolina, and 8 in Virginia. Pinnacle Financial Partners, Inc. was founded in 2000 and is headquartered in Nashville, Tennessee.
Solera National Bancorp Company Profile
Solera National Bancorp, Inc. operates as the bank holding company for Solera National Bank that provides commercial and consumer banking services to small and medium-sized businesses, licensed professionals, and individuals in the United States. The company offers deposit products, including checking and savings accounts, and certificates of deposits; and business loan products, such as real estate secured loans, construction loans, small business administration loans, business lines of credit, and equipment financing. It also provides online banking, account analysis, combined account analysis, commercial sweep, remote deposit, ACH origination, payroll direct deposit, merchant, fraud, business debit card, and cash management services. The company was founded in 2006 and is headquartered in Lakewood, Colorado.
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