Financial Contrast: FRIENDLY HILLS/SH SH (FHLB) & CR AGRICOLE S A/ADR (CRARY)

FRIENDLY HILLS/SH SH (OTCMKTS:FHLB) and CR AGRICOLE S A/ADR (OTCMKTS:CRARY) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation and analyst recommendations.

Profitability

This table compares FRIENDLY HILLS/SH SH and CR AGRICOLE S A/ADR’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FRIENDLY HILLS/SH SH 13.15% N/A N/A
CR AGRICOLE S A/ADR 18.72% 6.42% 0.26%

Dividends

CR AGRICOLE S A/ADR pays an annual dividend of $0.26 per share and has a dividend yield of 4.7%. FRIENDLY HILLS/SH SH does not pay a dividend. CR AGRICOLE S A/ADR pays out 37.7% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for FRIENDLY HILLS/SH SH and CR AGRICOLE S A/ADR, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FRIENDLY HILLS/SH SH 0 0 0 0 N/A
CR AGRICOLE S A/ADR 0 0 1 0 3.00

Valuation and Earnings

This table compares FRIENDLY HILLS/SH SH and CR AGRICOLE S A/ADR’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FRIENDLY HILLS/SH SH $9.74 million 1.54 $910,000.00 N/A N/A
CR AGRICOLE S A/ADR $21.05 billion 1.49 $4.12 billion $0.69 7.97

CR AGRICOLE S A/ADR has higher revenue and earnings than FRIENDLY HILLS/SH SH.

Institutional and Insider Ownership

0.3% of CR AGRICOLE S A/ADR shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk and Volatility

FRIENDLY HILLS/SH SH has a beta of 1.38, indicating that its stock price is 38% more volatile than the S&P 500. Comparatively, CR AGRICOLE S A/ADR has a beta of 1.44, indicating that its stock price is 44% more volatile than the S&P 500.

Summary

CR AGRICOLE S A/ADR beats FRIENDLY HILLS/SH SH on 9 of the 12 factors compared between the two stocks.

FRIENDLY HILLS/SH SH Company Profile

Friendly Hills Bank, a community bank, provides financial services and banking products. The company offers deposit products, such as business checking and savings accounts; checking plans, including personal, interest, and e checking plans; savings plans comprising personal savings, personal high yield money market accounts, health savings accounts, and fixed term time certificates of deposit; and individual retirement accounts. It also provides business loan products consisting of working capital and professional lines of credit, commercial real estate financing loans, construction financing loans, business expansion loans, small business administration loans, and letters of credit, as well as machinery, commercial vehicle, and equipment financing services; and consumer loans that include home equity lines of credit, home equity loans, automobile loans, and personal loans. In addition, the company offers cash management services; business professional services; automated clearing house, business online banking, courier, check images and checking account statements, merchant credit card, and remote deposit capture services; sweep accounts; and wire transfers. Further, it provides personal online banking services; and other services, such as overdraft protection, automated teller machines, credit and debit cards, and direct deposits. The company serves small and middle-market businesses, and individuals located primarily in the Los Angeles and Orange County areas of California. It operates two full-service branches in Whittier and Santa Fe Springs, California. The company was founded in 2006 and is headquartered in Whittier, California.

CR AGRICOLE S A/ADR Company Profile

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail customers, corporate customers, banks and financial institutions, government agencies, and local authorities. The company is headquartered in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.

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