First Hawaiian (NASDAQ:FHB) and Colony Bankcorp (NASDAQ:CBAN) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, institutional ownership and profitability.
Earnings and Valuation
This table compares First Hawaiian and Colony Bankcorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Hawaiian||$825.04 million||4.23||$264.39 million||$2.09||12.38|
|Colony Bankcorp||$58.64 million||2.75||$11.92 million||N/A||N/A|
Insider & Institutional Ownership
97.1% of First Hawaiian shares are owned by institutional investors. Comparatively, 14.1% of Colony Bankcorp shares are owned by institutional investors. 0.2% of First Hawaiian shares are owned by company insiders. Comparatively, 5.7% of Colony Bankcorp shares are owned 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.
This table compares First Hawaiian and Colony Bankcorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility & Risk
First Hawaiian has a beta of 1.19, suggesting that its stock price is 19% more volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.
This is a summary of recent ratings and price targets for First Hawaiian and Colony Bankcorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
First Hawaiian presently has a consensus price target of $27.67, suggesting a potential upside of 6.94%. Given First Hawaiian’s higher probable upside, research analysts plainly believe First Hawaiian is more favorable than Colony Bankcorp.
First Hawaiian pays an annual dividend of $1.04 per share and has a dividend yield of 4.0%. Colony Bankcorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.8%. First Hawaiian pays out 49.8% of its earnings in the form of a dividend.
First Hawaiian beats Colony Bankcorp on 11 of the 14 factors compared between the two stocks.
About First Hawaiian
First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It operates in three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company accepts various deposit products, including checking and savings accounts, and time deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, and small business loans and leases, commercial lease financing, and auto dealer financing. In addition, the company offers personal installment, credit card, individual investment and financial planning, insurance protection, trust and estate, private banking, retirement planning, treasury, and merchant processing services. As of December 31, 2018, it operated 60 branches Oahu, Maui, Hawaii, Kauai, Guam, and Saipan. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. The company was founded in 1858 and is headquartered in Honolulu, Hawaii. First Hawaiian, Inc. is a subsidiary of BancWest Corporation.
About Colony Bankcorp
Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and retail customers. It offers various deposit products, including demand, savings, and time deposits. The company also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, it offers Internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of April 18, 2019, the company operated 27 branches located in central, south, and coastal Georgia. Colony Bankcorp, Inc. was founded in 1975 and is headquartered in Fitzgerald, Georgia.
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