American Business Bank (OTCMKTS:AMBZ) and HANG SENG BK LT/S (OTCMKTS:HSNGY) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, earnings, profitability, dividends, risk, analyst recommendations and institutional ownership.
This is a summary of current recommendations and price targets for American Business Bank and HANG SENG BK LT/S, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|American Business Bank||0||0||0||0||N/A|
|HANG SENG BK LT/S||0||1||1||0||2.50|
Valuation & Earnings
This table compares American Business Bank and HANG SENG BK LT/S’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|American Business Bank||$74.09 million||3.83||$16.39 million||N/A||N/A|
|HANG SENG BK LT/S||$11.87 billion||4.24||$3.09 billion||$1.59||16.58|
HANG SENG BK LT/S has higher revenue and earnings than American Business Bank.
HANG SENG BK LT/S pays an annual dividend of $1.78 per share and has a dividend yield of 6.8%. American Business Bank does not pay a dividend. HANG SENG BK LT/S pays out 111.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Risk & Volatility
American Business Bank has a beta of 0.71, indicating that its stock price is 29% less volatile than the S&P 500. Comparatively, HANG SENG BK LT/S has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500.
Institutional & Insider Ownership
2.9% of American Business Bank shares are held by institutional investors. 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.
This table compares American Business Bank and HANG SENG BK LT/S’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|American Business Bank||24.55%||N/A||N/A|
|HANG SENG BK LT/S||N/A||N/A||N/A|
HANG SENG BK LT/S beats American Business Bank on 7 of the 10 factors compared between the two stocks.
American Business Bank Company Profile
American Business Bank provides various banking and financial services to wholesalers, manufacturers, businesses, professionals, and non-profits in California. Its deposit products include checking, money market, savings, business demand deposit, business money market, special deposit, zero balance, and sweep accounts, as well as certificates of deposit. The company's loan products comprise personal loans, lines of credit, short term working capital lines, term loans, commercial/industrial real estate loans, and accounts receivable lines. It also offers various services, such as telephone notification, lock box processing, investment, courier, remote deposit, consulting, general business advice, investment banking, investment management, equipment leasing, residential mortgage lending, and professional referral services, as well as online banking services consisting of bill payment, fund transfer, account information, automatic clearing house origination, stop payment, and wire transfer services; and provides credit cards and ATM cards. In addition, the company offers international banking services, including international money transfer, letters of credit, foreign currency deposit, documentary and cleaning collection, and foreign currency exchange services. It operates through five loan production offices in Anaheim, Irvine, Torrance, the Warner Center, and Ontario. American Business Bank was founded in 1998 and is headquartered in Los Angeles, California.
HANG SENG BK LT/S Company Profile
Hang Seng Bank Limited, together with its subsidiaries, provides various banking and related financial services to individual, corporate, commercial, small and medium-sized enterprise, and institutional customers in Hong Kong, Mainland China, and internationally. It operates through four segments: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Other. The company offers personal banking services, including current and savings accounts, mortgages and personal loans, credit cards, and insurance and wealth management services, as well as consumer lending services. It also provides corporate lending, trade and receivable finance, payments and cash management, treasury and foreign exchange, general insurance, key-person insurance, investment, and corporate wealth management services, as well as general banking, interest rate, money market, structured, derivative products, etc. In addition, the company offers trustee, nominee, retirement benefit and life assurance, fund management, stock broking, and property management services, as well as index compilation and licensing; fund raising and sales; and asset management services. It operates approximately 280 service outlets in Hong Kong; branches in Macau and Singapore; and a representative office in Taipei. Hang Seng Bank Limited, through its subsidiary, Hang Seng Bank (China) Limited, operates a mainland China network with outlets in the Pearl River delta, the Yangtze River delta, the Bohai Rim region, and Midwest China. The company was founded in 1933 and is headquartered in Central, Hong Kong. Hang Seng Bank Limited is a subsidiary of The Hongkong and Shanghai Banking Corporation Limited.
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