Elmira Savings Bank (NASDAQ:ESBK – Get Rating) and Coastal Financial (NASDAQ:CCB – Get Rating) are both finance companies, but which company is better? We will compare the two companies based on their risk strength, valuation, analyst recommendations, institutional ownership, profitability, dividends and earnings.
Profitability
This table compares the net margins, return on equity and return on assets of Elmira Savings Bank and Coastal Financial.
| Net margins | Return on equity | return on assets | |
| Elmira savings bank | 19.63% | N / A | N / A |
| Coastal Financial | 24.28% | 16.29% | 1.18% |
Volatility and risk
Elmira Savings Bank has a beta of 0.98, which means its stock price is 2% less volatile than the S&P 500. In comparison, Coastal Financial has a beta of 1.22, which means its stock price is 22 % more volatile than the S&P 500.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Elmira Savings Bank and Coastal Financial.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Elmira savings bank | $26.58 million | N / A | $5.22 million | $1.48 | 15.51 |
| Coastal Financial | $111.20 million | 5.06 | $27.00 million | $2.16 | 20.16 |
Coastal Financial has higher revenue and profit than Elmira Savings Bank. Elmira Savings Bank is trading at a lower price-to-earnings ratio than Coastal Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Notes
This is a breakdown of recent ratings and recommendations for Elmira Savings Bank and Coastal Financial, as reported by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Elmira savings bank | 0 | 0 | 0 | 0 | N / A |
| Coastal Financial | 0 | 0 | 2 | 1 | 3.33 |
Coastal Financial has a consensus price target of $58.33, suggesting a potential upside of 33.95%. Given Coastal Financial’s possible higher upside, analysts clearly believe that Coastal Financial is more favorable than Elmira Savings Bank.
Institutional and Insider Ownership
8.8% of Elmira Savings Bank shares are held by institutional investors. By comparison, 56.3% of Coastal Financial’s shares are held by institutional investors. 21.4% of Coastal Financial shares are held by insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock is ripe for long-term growth.
Summary
Coastal Financial beats Elmira Savings Bank on 13 out of 13 factors compared between the two stocks.
About Elmira Savings Bank (Get an evaluation)
Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, term deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, including installment loans, overdraft line of credit and home equity loans; and mortgage loans secured by first and second liens on single family residences of four. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler and Steuben counties; and a limited-service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.
About Coastal Financial (Get an evaluation)
Coastal Financial Corporation operates as a bank holding company for Coastal Community Bank which provides various banking products and services to small and medium businesses, professionals and individuals in the Puget Sound area of Washington. It accepts a range of deposit products, including current and savings accounts, time deposits and money market accounts. The Company offers commercial and industrial loans, including term loans, small business administration loans, commercial lines of credit, working capital loans, equipment financing, basic business loans, borrowing and other lending products; home loans to homeowners and non-owners, and multi-family residential loans; construction and land development loans; residential real estate loans; and consumer and other loans, including auto, boat and recreational vehicle loans, and secured term loans, as well as overdraft protection. It also provides remote deposit collection, online and mobile banking, direct and reciprocal deposits, and debit cards. In addition, the Company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as banking as a service (BaaS) , a platform that enables brokers and digital financial service providers to offer banking services to their customers. It operates 14 full-service banking locations. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
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