Banco Bilbao Viscaya Argentaria (NYSE:BBVA – Get Free Report) and Capital Bancorp (NASDAQ:CBNK – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, dividends, valuation, institutional ownership, earnings, profitability and risk.
Profitability
This table compares Banco Bilbao Viscaya Argentaria and Capital Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Banco Bilbao Viscaya Argentaria | 27.75% | 18.05% | 1.27% |
| Capital Bancorp | 17.47% | 13.14% | 1.46% |
Earnings & Valuation
This table compares Banco Bilbao Viscaya Argentaria and Capital Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Banco Bilbao Viscaya Argentaria | $42.70 billion | 3.40 | $11.89 billion | $2.20 | 11.82 |
| Capital Bancorp | $310.06 million | 2.03 | $57.17 million | $3.40 | 11.39 |
Banco Bilbao Viscaya Argentaria has higher revenue and earnings than Capital Bancorp. Capital Bancorp is trading at a lower price-to-earnings ratio than Banco Bilbao Viscaya Argentaria, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
3.0% of Banco Bilbao Viscaya Argentaria shares are owned by institutional investors. Comparatively, 56.1% of Capital Bancorp shares are owned by institutional investors. 0.0% of Banco Bilbao Viscaya Argentaria shares are owned by company insiders. Comparatively, 33.5% of Capital Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a summary of recent recommendations and price targets for Banco Bilbao Viscaya Argentaria and Capital Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Banco Bilbao Viscaya Argentaria | 0 | 6 | 1 | 1 | 2.38 |
| Capital Bancorp | 0 | 5 | 2 | 0 | 2.29 |
Capital Bancorp has a consensus target price of $39.67, suggesting a potential upside of 2.43%. Given Capital Bancorp’s higher possible upside, analysts plainly believe Capital Bancorp is more favorable than Banco Bilbao Viscaya Argentaria.
Risk and Volatility
Banco Bilbao Viscaya Argentaria has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500. Comparatively, Capital Bancorp has a beta of 0.52, meaning that its stock price is 48% less volatile than the S&P 500.
Dividends
Banco Bilbao Viscaya Argentaria pays an annual dividend of $0.67 per share and has a dividend yield of 2.6%. Capital Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 1.4%. Banco Bilbao Viscaya Argentaria pays out 30.5% of its earnings in the form of a dividend. Capital Bancorp pays out 16.5% 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. Capital Bancorp has increased its dividend for 3 consecutive years.
Summary
Banco Bilbao Viscaya Argentaria beats Capital Bancorp on 10 of the 18 factors compared between the two stocks.
About Banco Bilbao Viscaya Argentaria
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services in the United States, Spain, Mexico, Turkey, South America, and internationally. The company offers savings account, demand deposits, and time deposits; and loan products, such as residential mortgages, other households, credit card loans, loans to enterprises and public sector, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
About Capital Bancorp
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in Maryland, Virginia, and the District of Columbia. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans, as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, and small residential builders and individuals. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
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