ERSTE GRP BK A/S (OTCMKTS:EBKDY) and Idaho Independent Bank (OTCMKTS:IIBK) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, earnings, dividends, institutional ownership, profitability and analyst recommendations.

Analyst Ratings

This is a summary of current ratings and price targets for ERSTE GRP BK A/S and Idaho Independent Bank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ERSTE GRP BK A/S 0 0 0 0 N/A
Idaho Independent Bank 0 0 0 0 N/A

Dividends

ERSTE GRP BK A/S pays an annual dividend of $0.68 per share and has a dividend yield of 3.9%. Idaho Independent Bank does not pay a dividend. ERSTE GRP BK A/S pays out 41.0% of its earnings in the form of a dividend.

Institutional & Insider Ownership

0.4% of ERSTE GRP BK A/S shares are owned by institutional investors. 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 ERSTE GRP BK A/S and Idaho Independent Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
ERSTE GRP BK A/S 18.14% 8.38% 0.67%
Idaho Independent Bank N/A N/A N/A

Valuation & Earnings

This table compares ERSTE GRP BK A/S and Idaho Independent Bank’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
ERSTE GRP BK A/S $9.04 billion 1.64 $1.49 billion $1.66 10.41
Idaho Independent Bank N/A N/A $3.05 million N/A N/A

ERSTE GRP BK A/S has higher revenue and earnings than Idaho Independent Bank.

Volatility and Risk

ERSTE GRP BK A/S has a beta of 0.99, meaning that its share price is 1% less volatile than the S&P 500. Comparatively, Idaho Independent Bank has a beta of -0.22, meaning that its share price is 122% less volatile than the S&P 500.

Summary

ERSTE GRP BK A/S beats Idaho Independent Bank on 8 of the 10 factors compared between the two stocks.

ERSTE GRP BK A/S Company Profile

Erste Group Bank AG provides a range of banking and other financial services to the retail and corporate customers in Austria, Central and Eastern Europe, and internationally. The company operates through Retail, Corporates, Group Markets, Asset/Liability Management and Local Corporate Center, Savings Banks, Group Corporate Center, and Intragroup Elimination segments. It offers savings and current accounts, mortgage and consumer loans, working capital finance, accounts receivable purchasing, structured trade finance, and supply chain finance services; loan syndication services; letters of credit, guarantees, investment finance, acquisition and leveraged finance, commercial real estate finance, buyer's credit, and revolving export credit lines; liquidity management; and hedging and documentary collection services. The company also provides private banking, asset management, investment banking, securities and derivatives trading, portfolio management, project finance, foreign trade financing, corporate finance, capital market and money market, foreign exchange trading, and leasing and factoring services; phone, online, and mobile banking services; and leasing, insurance, investment, and building society products, as well as credit cards. In addition, it offers real estate development and lending; advisory services related to acquisition, divestment, and merger, as well as risk management; analysis services for stock, bond, and commodity markets; and custody and brokerage services. The company operates through 2,565 branches in seven countries. Erste Group Bank AG was founded in 1819 and is headquartered in Vienna, Austria.

Idaho Independent Bank Company Profile

Idaho Independent Bank, a state-chartered bank, provides commercial banking services to individual and business customers in Idaho. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as credit and debit cards; and loans comprising home mortgage loans, construction loans, home equity lines of credit, auto loans, personal lines of credit, business term loans, operating lines of credit, commercial real estate loans, secured personal loans, commercial real estate loans, and small business loans, as well as agricultural equipment loans, farm acquisition loans, and government guaranteed loans. It also provides cash management services, including express deposit, wire transfers, automated clearing house, sweep accounts, imaging, positive pay, and other payment services, as well as merchant services. In addition, the company offers online banking, bill pay, overdraft opt-in/out, e-statements, cashier's check, safe deposit box, and mobile banking services. It operates through three branches in Boise, as well as branches in Coeur d'Alene, Hayden, Meridian, Nampa, Caldwell, Mountain Home, Ketchum, and Star, Idaho. Idaho Independent Bank was founded in 1993 and is based in Coeur d'Alene, Idaho.

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