Summit State Bank (NASDAQ:SSBI) and Société Générale Société anonyme (OTCMKTS:SCGLY) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, risk, institutional ownership, earnings, profitability, valuation and analyst recommendations.
Volatility and Risk
Summit State Bank has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500. Comparatively, Société Générale Société anonyme has a beta of 1.57, indicating that its stock price is 57% more volatile than the S&P 500.
14.3% of Summit State Bank shares are owned by institutional investors. Comparatively, 0.1% of Société Générale Société anonyme shares are owned by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
This is a breakdown of current ratings and price targets for Summit State Bank and Société Générale Société anonyme, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Summit State Bank||0||0||0||0||N/A|
|Société Générale Société anonyme||0||5||1||0||2.17|
Valuation & Earnings
This table compares Summit State Bank and Société Générale Société anonyme’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Summit State Bank||$32.66 million||2.91||$6.48 million||N/A||N/A|
|Société Générale Société anonyme||$27.63 billion||0.76||$3.64 billion||$0.92||5.33|
Société Générale Société anonyme has higher revenue and earnings than Summit State Bank.
This table compares Summit State Bank and Société Générale Société anonyme’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Summit State Bank||24.21%||N/A||N/A|
|Société Générale Société anonyme||-0.08%||2.13%||0.10%|
Société Générale Société anonyme beats Summit State Bank on 6 of the 10 factors compared between the two stocks.
Summit State Bank Company Profile
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, individual retirement, and other retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; and home equity lines of credit, as well as term loans, credit lines to individuals, equipment loans, and business lines of credit. Its loan products also comprise loans for accounts receivable and inventory financing, loans to agriculture-related businesses, and equipment and expansion financing programs. In addition, the company provides Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers cash management and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California and Scottsdale, Arizona. Summit State Bank was founded in 1982 and is headquartered in Santa Rosa, California.
Société Générale Société anonyme Company Profile
SociÃ©tÃ© GÃ©nÃ©rale SociÃ©tÃ© anonyme provides financial services in Europe, Asia, Oceania, Africa, and France. The company offers retail banking services to individuals, professionals, local authorities, and businesses and non-profit clients under the Societe Generale, CrÃ©dit du Nord, and Boursorama Banque brands; and international retail banking and consumer credit services to corporate and individual customers in Europe, Russia, the Mediterranean Basin, and Sub-Saharan Africa. It also provides life, retirement savings scheme, personal protection, group retirement, dependence, annuity, auto and home, personal accident, school, and other insurance products; vendor and equipment finance services; and vehicle leasing and fleet management services. In addition, the company assists corporates, financial institutions, public sector institutions, and family offices in terms of investments, strategic advisory, capital raising, and capital structure optimization; and offers structured finance, advisory, and investment and risk management solutions. Further, it provides payment and cash management, cash clearing and correspondent banking, receivable and supply chain financing, trade financing, and FOREX transaction services; private banking services and wealth management solutions, including financial analysis; and asset management solutions. Additionally, the company offers securities services, such as clearing, custody and trustee, liquidity management, fund administration and asset servicing, fund distribution, and global issuer services, as well as fixed income and currencies services. SociÃ©tÃ© GÃ©nÃ©rale SociÃ©tÃ© anonyme was founded in 1864 and is headquartered in Paris, France.
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