Glacier Bancorp (NYSE:GBCI – Get Free Report) and Bankinter (OTCMKTS:BKNIY – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, valuation, institutional ownership, earnings, dividends, profitability and analyst recommendations.
Earnings & Valuation
This table compares Glacier Bancorp and Bankinter”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Glacier Bancorp | $1.44 billion | 4.06 | $239.03 million | $2.44 | 18.38 |
| Bankinter | $5.27 billion | 3.32 | $1.23 billion | $1.46 | 13.33 |
Profitability
This table compares Glacier Bancorp and Bankinter’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Glacier Bancorp | 19.72% | 7.97% | 1.05% |
| Bankinter | 24.27% | 18.20% | 0.90% |
Insider and Institutional Ownership
80.2% of Glacier Bancorp shares are held by institutional investors. 0.5% of Glacier Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Dividends
Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.9%. Bankinter pays an annual dividend of $0.45 per share and has a dividend yield of 2.3%. Glacier Bancorp pays out 54.1% of its earnings in the form of a dividend. Bankinter pays out 30.8% 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.
Analyst Recommendations
This is a breakdown of recent ratings for Glacier Bancorp and Bankinter, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Glacier Bancorp | 1 | 2 | 5 | 0 | 2.50 |
| Bankinter | 1 | 3 | 2 | 0 | 2.17 |
Glacier Bancorp presently has a consensus target price of $55.17, indicating a potential upside of 23.00%. Given Glacier Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Glacier Bancorp is more favorable than Bankinter.
Risk & Volatility
Glacier Bancorp has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500. Comparatively, Bankinter has a beta of -0.18, meaning that its share price is 118% less volatile than the S&P 500.
Summary
Glacier Bancorp beats Bankinter on 11 of the 16 factors compared between the two stocks.
About Glacier Bancorp
Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.
About Bankinter
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
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