Esquire Financial (NASDAQ:ESQ) and GRUPO AVAL ACCI/S (NYSE:AVAL) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, earnings, profitability, institutional ownership and analyst recommendations.

Profitability

This table compares Esquire Financial and GRUPO AVAL ACCI/S’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Esquire Financial 25.01% 11.63% 1.62%
GRUPO AVAL ACCI/S 11.95% 12.89% 1.45%

Institutional and Insider Ownership

45.2% of Esquire Financial shares are owned by institutional investors. Comparatively, 17.9% of GRUPO AVAL ACCI/S shares are owned by institutional investors. 21.6% of Esquire Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Esquire Financial and GRUPO AVAL ACCI/S’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Esquire Financial $36.81 million 5.03 $8.73 million N/A N/A
GRUPO AVAL ACCI/S $9.83 billion 0.29 $896.30 million $0.80 10.11

GRUPO AVAL ACCI/S has higher revenue and earnings than Esquire Financial.

Dividends

GRUPO AVAL ACCI/S pays an annual dividend of $0.37 per share and has a dividend yield of 4.6%. Esquire Financial does not pay a dividend. GRUPO AVAL ACCI/S pays out 46.3% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of current ratings for Esquire Financial and GRUPO AVAL ACCI/S, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Esquire Financial 0 0 1 0 3.00
GRUPO AVAL ACCI/S 0 1 1 0 2.50

Esquire Financial presently has a consensus target price of $28.00, suggesting a potential upside of 13.96%. GRUPO AVAL ACCI/S has a consensus target price of $8.00, suggesting a potential downside of 1.11%. Given Esquire Financial’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Esquire Financial is more favorable than GRUPO AVAL ACCI/S.

Risk and Volatility

Esquire Financial has a beta of 1.08, meaning that its share price is 8% more volatile than the S&P 500. Comparatively, GRUPO AVAL ACCI/S has a beta of 0.96, meaning that its share price is 4% less volatile than the S&P 500.

Summary

Esquire Financial beats GRUPO AVAL ACCI/S on 10 of the 14 factors compared between the two stocks.

Esquire Financial Company Profile

Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small business communities, and commercial and retail customers in the United States. The company offers checking, savings, money market, and time deposits, as well as certificates of deposit. It also provides commercial loans, including short-term financing for inventory, receivables, the purchase of supplies, or other operating needs arising during the normal course of business, as well as loans to its qualified merchant customers; commercial lines of credit; consumer loans consisting of post-settlement consumer and structured settlement loans to plaintiffs and claimants, as well as loans to individuals for debt consolidation, home repairs, home improvement, or consumer purchases; and real estate loans, such as multifamily, 1-4 family residential, commercial real estate, and construction loans. As of December 31, 2018, the company operated a branch in Garden City, New York; and an administrative office in Boca Raton, Florida. Esquire Financial Holdings, Inc. was founded in 2006 and is headquartered in Jericho, New York.

GRUPO AVAL ACCI/S Company Profile

Grupo Aval Acciones y Valores S.A. provides a range of financial services and products to public and private sector customers in Colombia and Central America. The company's deposit products and services include checking accounts, savings accounts, and time deposits, as well as other deposits consisting of deposits from correspondent accounts, cashier checks, and collection services. It also provides loan products, such as commercial loans that comprise general purpose loans, working capital loans, loans funded by development banks, corporate credit cards, and overdraft loans; consumer loans comprising personal loans, automobile and other vehicle loans, credit cards, overdrafts, loans funded by development banks, and general purpose loans; microcredit loans; and mortgage loans. In addition, the company offers pension and severance fund management services; and trust, bonded warehousing and brokerage transactions, real estate escrow, merchandise and document storage and deposit, customs agency, cargo management, surety bond and merchandise distribution, bancassurance, and payment and collection services, as well as engages in deposit and lending operations in foreign currencies. Further, it is involved in merchant and investment banking activities; trading activities that include fixed income trading, and derivatives and foreign exchange operations, as well as the provision of treasury, pension plan administration, investment fund advice, financial advisory, leasing, private banking, and insurance services. As of December 31, 2017, the company operated through a network of 1,421 branches and 3,781 ATMs in Colombia; and 350 branches and 1,993 ATMs in Central America. Grupo Aval Acciones y Valores S.A. was founded in 1994 and is based in Bogotá, Colombia.

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