Cullen/Frost Bankers (NYSE:CFR – Get Free Report) and Bank of Santa Clarita (OTCMKTS:BSCA – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership.
Profitability
This table compares Cullen/Frost Bankers and Bank of Santa Clarita’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Cullen/Frost Bankers | 22.86% | 15.58% | 1.28% |
| Bank of Santa Clarita | N/A | N/A | N/A |
Analyst Recommendations
This is a summary of current recommendations and price targets for Cullen/Frost Bankers and Bank of Santa Clarita, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cullen/Frost Bankers | 2 | 5 | 4 | 1 | 2.33 |
| Bank of Santa Clarita | 0 | 0 | 0 | 0 | 0.00 |
Insider and Institutional Ownership
86.9% of Cullen/Frost Bankers shares are owned by institutional investors. 1.1% of Cullen/Frost Bankers shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Cullen/Frost Bankers and Bank of Santa Clarita”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cullen/Frost Bankers | $2.92 billion | 2.91 | $648.56 million | $10.27 | 13.20 |
| Bank of Santa Clarita | N/A | N/A | N/A | N/A | N/A |
Cullen/Frost Bankers has higher revenue and earnings than Bank of Santa Clarita.
Summary
Cullen/Frost Bankers beats Bank of Santa Clarita on 10 of the 10 factors compared between the two stocks.
About Cullen/Frost Bankers
Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas. The company offers commercial banking services to corporations, including financing for industrial and commercial properties, interim construction related to industrial and commercial properties, equipment, inventories and accounts receivables, and acquisitions; and treasury management services, as well as originates commercial leasing services. It also provides consumer banking services, such as checking accounts, savings programs, automated-teller machines (ATMs), overdraft facilities, installment and real estate loans, first mortgage loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. In addition, the company offers international banking services comprising deposits, loans, letters of credit, foreign collections, funds transmitting, and foreign exchange services; correspondent banking activities, including check clearing, transfer of funds, fixed income security services, and securities custody and clearance services. Further, it offers trust, investment, agency, and custodial services for individual and corporate clients; capital market services that include sales and trading, new issue underwriting, money market trading, advisory, and securities safekeeping and clearance; and support for international business activities, including foreign exchange, letters of credit, export-import financing, and other related activities. Additionally, the company offers insurance and securities brokerage services; holding of securities for investment purposes; and investment management services for mutual funds, institutions, and individuals. It serves energy, manufacturing, services, construction, retail, telecommunications, healthcare, military, and transportation industries. The company was founded in 1868 and is headquartered in San Antonio, Texas.
About Bank of Santa Clarita
Bank of Santa Clarita engages in the provision of banking and financial services. It offers real estate, small business administration, commercial and consumer loans, consumer and business checking accounts, savings accounts, certificates of deposit, trade finance, and money transfers. The company was founded by Frank D. Di Tomaso on October 26, 2004 and is headquartered in Santa Clarita, CA.
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