Valley National Bancorp (NYSE:VLY) and 1ST COLONIAL BA/SH SH (OTCMKTS:FCOB) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, dividends, analyst recommendations, institutional ownership, earnings, risk and profitability.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Valley National Bancorp and 1ST COLONIAL BA/SH SH, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Valley National Bancorp 0 2 1 0 2.33
1ST COLONIAL BA/SH SH 0 0 0 0 N/A

Valley National Bancorp currently has a consensus target price of $12.00, indicating a potential upside of 8.50%. Given Valley National Bancorp’s higher probable upside, equities analysts clearly believe Valley National Bancorp is more favorable than 1ST COLONIAL BA/SH SH.

Profitability

This table compares Valley National Bancorp and 1ST COLONIAL BA/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Valley National Bancorp N/A N/A N/A
1ST COLONIAL BA/SH SH 15.66% 9.31% 0.78%

Valuation & Earnings

This table compares Valley National Bancorp and 1ST COLONIAL BA/SH SH’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Valley National Bancorp N/A N/A N/A N/A N/A
1ST COLONIAL BA/SH SH $25.86 million 1.89 $5.22 million N/A N/A

1ST COLONIAL BA/SH SH has higher revenue and earnings than Valley National Bancorp.

Institutional and Insider Ownership

55.9% of Valley National Bancorp shares are held by institutional investors. Comparatively, 19.4% of 1ST COLONIAL BA/SH SH shares are held by institutional investors. 3.5% of Valley National Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valley National Bancorp Company Profile

Valley National Bancorp operates as the holding company for the Valley National Bank that provides commercial, retail, trust, and investment services. The company operates through Commercial Lending, Consumer Lending, and Investment Management segments. Its deposit products include non-interest bearing, savings, NOW, and money market deposits, as well as certificates of deposit. The company's loan products comprise construction, residential mortgage, home equity, automobile, and floating rate and adjustable rate commercial and industrial loans, as well as fixed rate owner occupied and commercial real estate loans, credit card loans, personal lines of credit, personal loans, and loans secured by cash surrender value of life insurance. It also invests in securities and interest-bearing deposits with banks, such as fixed rate securities and federal funds; and offers international banking services, such as standby letters of credit, documentary letters of credit and related products, and other ancillary services. In addition, the company provides asset management advisory, trust, and asset-based lending support services; property and casualty, life, health, and title insurance products; and health care equipment lending and other commercial equipment leases, as well as real estate related investments. Further, it offers other banking services comprising automated teller machine, telephone and Internet banking, remote deposit capturing, overdraft, drive-in and night deposit, and safe deposit services. As of December 31, 2017, the company operated 237 branches in northern and central New Jersey; the New York City boroughs of Manhattan, Brooklyn, Queens, and Long Island; and southeast and central Florida. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.

1ST COLONIAL BA/SH SH Company Profile

1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including statement savings accounts, money market accounts, certificates of deposit, club accounts, interest on lawyers trust accounts fund accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, car loans, personal loans, residential and commercial mortgages, construction loans, lines of credit, equipment and vehicle financing, and other loans; and SBA loans for various general business purposes, including working capital, machinery and equipment, furniture and fixtures, land and building, leasehold improvements, and debt refinancing. In addition, the company offers a range of merchant services comprising card services, night depository, bulk cash processing, coin and currency ordering, and other services; VISA CheckCards; wire transfers, safe deposit boxes, and other additional services; and online banking, mobile banking, telephone banking, government banking, and ATM services. It operates two branch offices located in Collingswood and Westville, New Jersey. 1st Colonial Bancorp, Inc. was founded in 2000 and is headquartered in Collingswood, New Jersey.

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