Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) and Summit State Bank (NASDAQ:SSBI) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, earnings, valuation, institutional ownership, profitability, risk and analyst recommendations.

Earnings & Valuation

This table compares Banco Bilbao Vizcaya Argentaria and Summit State Bank’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Banco Bilbao Vizcaya Argentaria $27.49 billion 1.38 $3.93 billion $0.74 7.72
Summit State Bank $32.66 million 2.36 $6.48 million N/A N/A

Banco Bilbao Vizcaya Argentaria has higher revenue and earnings than Summit State Bank.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Banco Bilbao Vizcaya Argentaria and Summit State Bank, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Banco Bilbao Vizcaya Argentaria 2 1 3 0 2.17
Summit State Bank 0 0 0 0 N/A

Institutional and Insider Ownership

3.1% of Banco Bilbao Vizcaya Argentaria shares are held by institutional investors. Comparatively, 13.6% of Summit State Bank shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Banco Bilbao Vizcaya Argentaria and Summit State Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Banco Bilbao Vizcaya Argentaria 14.31% 8.78% 0.69%
Summit State Bank 19.83% N/A N/A

Dividends

Banco Bilbao Vizcaya Argentaria pays an annual dividend of $0.18 per share and has a dividend yield of 3.2%. Summit State Bank pays an annual dividend of $0.48 per share and has a dividend yield of 3.8%. Banco Bilbao Vizcaya Argentaria pays out 24.3% of its earnings in the form of a dividend. Banco Bilbao Vizcaya Argentaria has increased its dividend for 7 consecutive years.

Volatility & Risk

Banco Bilbao Vizcaya Argentaria has a beta of 1.04, suggesting that its stock price is 4% more volatile than the S&P 500. Comparatively, Summit State Bank has a beta of 0.26, suggesting that its stock price is 74% less volatile than the S&P 500.

Summary

Banco Bilbao Vizcaya Argentaria beats Summit State Bank on 7 of the 13 factors compared between the two stocks.

Banco Bilbao Vizcaya Argentaria Company Profile

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail and wholesale banking, asset management, and private banking services. The company accepts various deposits, such as current and savings accounts, term deposits, subordinated deposits, and other accounts. It also offers loan products; and foreclosed real-estate assets from residential mortgages and developers, as well as lending to developers. In addition, the company provides credit cards; and corporate and business banking, corporate and investment banking, and insurance. It operates in Spain, Mexico, South America, the United States, Turkey, Asia-Pacific, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

Summit State Bank Company Profile

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and Keogh and individual retirement accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; and home equity lines of credit, as well as term loans, credit lines to individuals, equipment loans, and business lines of credit. Its loan products also comprise loans for accounts receivable and inventory financing, loans to agriculture-related businesses, and equipment and expansion financing programs. In addition, the company provides Internet and telephone banking; and other services, including banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers cash management and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production office in Roseville, California. Summit State Bank was founded in 1982 and is headquartered in Santa Rosa, California.

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