Credit Agricole (OTCMKTS:CRARY – Get Free Report) and NB Bancorp (NASDAQ:NBBK – Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, earnings, dividends, institutional ownership, risk and profitability.
Analyst Recommendations
This is a breakdown of recent ratings for Credit Agricole and NB Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Credit Agricole | 0 | 4 | 1 | 0 | 2.20 |
| NB Bancorp | 0 | 1 | 2 | 1 | 3.00 |
NB Bancorp has a consensus target price of $25.50, indicating a potential upside of 12.19%. Given NB Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe NB Bancorp is more favorable than Credit Agricole.
Dividends
Institutional & Insider Ownership
0.6% of Credit Agricole shares are owned by institutional investors. 5.1% of NB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares Credit Agricole and NB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Credit Agricole | 23.39% | 31.64% | 1.14% |
| NB Bancorp | 14.27% | 9.13% | 1.10% |
Risk and Volatility
Credit Agricole has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500. Comparatively, NB Bancorp has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500.
Earnings and Valuation
This table compares Credit Agricole and NB Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Credit Agricole | $31.76 billion | 2.01 | $8.00 billion | $1.12 | 9.33 |
| NB Bancorp | $351.74 million | 2.83 | $50.30 million | $1.51 | 15.05 |
Credit Agricole has higher revenue and earnings than NB Bancorp. Credit Agricole is trading at a lower price-to-earnings ratio than NB Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
NB Bancorp beats Credit Agricole on 9 of the 17 factors compared between the two stocks.
About Credit Agricole
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.
About NB Bancorp
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
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