First Sound Bank (OTCMKTS:FSWA) and Bank of New York Mellon (NYSE:BK) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, earnings, valuation, risk, institutional ownership, dividends and analyst recommendations.
This is a summary of recent ratings for First Sound Bank and Bank of New York Mellon, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Sound Bank||0||0||0||0||N/A|
|Bank of New York Mellon||1||8||9||0||2.44|
Bank of New York Mellon has a consensus target price of $45.53, suggesting a potential upside of 31.06%. Given Bank of New York Mellon’s higher probable upside, analysts clearly believe Bank of New York Mellon is more favorable than First Sound Bank.
Insider and Institutional Ownership
82.1% of Bank of New York Mellon shares are held by institutional investors. 0.1% of Bank of New York Mellon shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
This table compares First Sound Bank and Bank of New York Mellon’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Sound Bank||N/A||N/A||N/A|
|Bank of New York Mellon||22.31%||10.34%||0.95%|
Volatility and Risk
First Sound Bank has a beta of 0.02, meaning that its stock price is 98% less volatile than the S&P 500. Comparatively, Bank of New York Mellon has a beta of 1.04, meaning that its stock price is 4% more volatile than the S&P 500.
Earnings & Valuation
This table compares First Sound Bank and Bank of New York Mellon’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Sound Bank||N/A||N/A||N/A||N/A||N/A|
|Bank of New York Mellon||$20.77 billion||1.48||$4.44 billion||$4.02||8.64|
Bank of New York Mellon has higher revenue and earnings than First Sound Bank.
Bank of New York Mellon beats First Sound Bank on 9 of the 9 factors compared between the two stocks.
About First Sound Bank
First Sound Bank provides various banking products and services for small and medium-sized businesses, middle-income individuals, not-for-profit organizations, entrepreneurs, professionals, and service companies primarily in Western Washington. The company's deposit products include checking, savings, money market, and sweep accounts. It also offers consumer loans comprising personal loans, ready cash line of credit, and home equity lines of credit; and commercial loans, such as lines of credit, commercial real estate loans, export activity and foreign receivables, investment property loans, and small business administration loans, as well as cash flow solutions. In addition, the company provides cash management services; and international services, such as import and export letters of credit, standby letters of credit, documentary collections, and foreign exchange services, as well as international remittances, drafts, and wires. Further, it offers Sound eCapture services that allow its customers to scan checks, create digital deposits, and transmit for account clearing and posting. Additionally, the company provides equipment financing for small to mid-sized businesses; and ATM card, debit card, credit card, merchant, mobile and online banking, and courier services. The company operates through a branch in downtown Seattle, Washington. First Sound Bank was founded in 2004 and is based in Seattle, Washington.
About Bank of New York Mellon
The Bank of New York Mellon Corporation provides a range of financial products and services to institutions, corporations, and high net worth individuals in the United States and internationally. The company operates through two segments, Investment Management and Investment Services. It offers investment management, custody, foreign exchange, fund broker-dealer, collateral and liquidity, clearing, corporate trust, global payment, trade finance, and cash management services, as well as securities finance and depositary receipts. The company also provides mutual funds, separate accounts, and wealth management and private banking services; and trust and registered investment advisory services. In addition, it engages in leasing, corporate treasury, derivative and other trading, corporate and bank-owned life insurance, renewable energy investment, and business exit activities. The Bank of New York Mellon Corporation was founded in 1784 and is headquartered in New York, New York.
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