Critical Survey: Consumers Bancorp (OTCMKTS:CBKM) vs. PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERF)

Consumers Bancorp (OTCMKTS:CBKM) and PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERF) are both financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings.

Institutional and Insider Ownership

5.0% of Consumers Bancorp shares are held by institutional investors. Comparatively, 14.2% of PT Bank Mandiri (Persero) Tbk shares are held by institutional investors. 7.9% of Consumers Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Dividends

Consumers Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.8%. PT Bank Mandiri (Persero) Tbk pays an annual dividend of $198.94 per share and has a dividend yield of 76,515.4%. Consumers Bancorp pays out 44.1% of its earnings in the form of a dividend. PT Bank Mandiri (Persero) Tbk pays out 23.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. PT Bank Mandiri (Persero) Tbk is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Ratings

This is a breakdown of current ratings and price targets for Consumers Bancorp and PT Bank Mandiri (Persero) Tbk, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Consumers Bancorp	0	0	0	0	0.00
PT Bank Mandiri (Persero) Tbk	0	0	1	0	3.00

Earnings & Valuation

This table compares Consumers Bancorp and PT Bank Mandiri (Persero) Tbk”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Consumers Bancorp	N/A	N/A	N/A	$1.09	24.29
PT Bank Mandiri (Persero) Tbk	N/A	N/A	N/A	$850.88	0.00

PT Bank Mandiri (Persero) Tbk is trading at a lower price-to-earnings ratio than Consumers Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Consumers Bancorp and PT Bank Mandiri (Persero) Tbk’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Consumers Bancorp	N/A	N/A	N/A
PT Bank Mandiri (Persero) Tbk	N/A	N/A	N/A

Summary

PT Bank Mandiri (Persero) Tbk beats Consumers Bancorp on 6 of the 8 factors compared between the two stocks.

About Consumers Bancorp

Consumers Bancorp, Inc. operates as the bank holding company for the Consumers National Bank that provides various commercial and retail banking products and services for individuals, farmers, and small and medium-sized businesses. The company accepts various deposit products, such as checking, savings, certificates of deposit, and individual retirement accounts. It also provides commercial loans, which include financing for equipment, inventories, and accounts receivable; commercial real estate loans, including mortgage loans to farmers, owners of multi-family investment properties, developers, and owners of commercial real estate; residential real estate loans comprising one to four family residential real estate and home equity loans; and consumer loans consisting of recreation, personal, automobile loans, personal lines of credit, and unsecured consumer loans. In addition, the company invests in securities consisting of obligations of the United States government sponsored entities, municipal obligations, and mortgage-backed securities. Further, it offers small business administration, business term, commercial construction, agricultural, and equipment loans; credit and debit cards; ATMs; and online and mobile banking, as well as cash management services. Consumers Bancorp, Inc. was founded in 1965 and is headquartered in Minerva, Ohio.

About PT Bank Mandiri (Persero) Tbk

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. The company operates through Wholesale and Retail segments. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bonds; life, health, and accident insurance products; credit, debit, and corporate cards; digital banking; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.