Head-To-Head Survey: Zions Bancorporation, National Association (NASDAQ:ZION) and Ballston Spa Bancorp (OTCMKTS:BSPA)

Zions Bancorporation, National Association (NASDAQ:ZIONGet Rating) and Ballston Spa Bancorp (OTCMKTS:BSPAGet Rating) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, institutional ownership, dividends, profitability and risk.

Risk and Volatility

Zions Bancorporation, National Association has a beta of 1.29, meaning that its stock price is 29% more volatile than the S&P 500. Comparatively, Ballston Spa Bancorp has a beta of -0.2, meaning that its stock price is 120% less volatile than the S&P 500.

Insider and Institutional Ownership

82.2% of Zions Bancorporation, National Association shares are owned by institutional investors. Comparatively, 2.4% of Ballston Spa Bancorp shares are owned by institutional investors. 1.8% of Zions Bancorporation, National Association shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Dividends

Zions Bancorporation, National Association pays an annual dividend of $1.52 per share and has a dividend yield of 2.9%. Ballston Spa Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.4%. Zions Bancorporation, National Association pays out 24.8% of its earnings in the form of a dividend. Zions Bancorporation, National Association has raised its dividend for 5 consecutive years. Zions Bancorporation, National Association is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Zions Bancorporation, National Association and Ballston Spa Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Zions Bancorporation, National Association 34.40% 14.53% 1.12%
Ballston Spa Bancorp N/A N/A N/A

Valuation & Earnings

This table compares Zions Bancorporation, National Association and Ballston Spa Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Zions Bancorporation, National Association $2.97 billion 2.65 $1.13 billion $6.14 8.47
Ballston Spa Bancorp N/A N/A N/A N/A N/A

Zions Bancorporation, National Association has higher revenue and earnings than Ballston Spa Bancorp.

Analyst Recommendations

This is a breakdown of recent ratings for Zions Bancorporation, National Association and Ballston Spa Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Zions Bancorporation, National Association 1 9 6 0 2.31
Ballston Spa Bancorp 0 0 0 0 N/A

Zions Bancorporation, National Association presently has a consensus target price of $71.50, indicating a potential upside of 37.53%. Given Zions Bancorporation, National Association’s higher possible upside, research analysts plainly believe Zions Bancorporation, National Association is more favorable than Ballston Spa Bancorp.

Summary

Zions Bancorporation, National Association beats Ballston Spa Bancorp on 11 of the 12 factors compared between the two stocks.

Zions Bancorporation, National Association Company Profile (Get Rating)

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Ballston Spa Bancorp Company Profile (Get Rating)

Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States. The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home equity, construction, auto, boat, RV, personal, small business, term, and commercial real estate loans, as well as lines of credit and government programs; and debits and credit cards. It also provides personal investment services, which include annuities, college savings plans, mutual funds, and life and long term care insurance products; investment and asset management; trusteeship; estate settlement; custodial; and wealth management services. In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, eStatements, and mobile wallets. It operates through thirteen branch offices in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton counties. The company was founded in 1838 and is based in Ballston Spa, New York.

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