BOK Financial (NASDAQ:BOKF – Get Rating) and Sandy Spring Bancorp (NASDAQ:SASR – Get Rating) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, profitability, valuation, analyst recommendations, institutional ownership, earnings and risk.
BOK Financial pays an annual dividend of $2.16 per share and has a dividend yield of 2.2%. Sandy Spring Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 3.9%. BOK Financial pays out 31.3% of its earnings in the form of a dividend. Sandy Spring Bancorp pays out 34.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BOK Financial has increased its dividend for 17 consecutive years and Sandy Spring Bancorp has increased its dividend for 12 consecutive years.
Institutional & Insider Ownership
37.2% of BOK Financial shares are held by institutional investors. Comparatively, 65.0% of Sandy Spring Bancorp shares are held by institutional investors. 56.9% of BOK Financial shares are held by insiders. Comparatively, 3.2% of Sandy Spring Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Valuation & Earnings
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|BOK Financial||$1.85 billion||3.55||$618.12 million||$6.90||14.14|
|Sandy Spring Bancorp||$552.34 million||2.80||$235.11 million||$3.91||8.85|
BOK Financial has higher revenue and earnings than Sandy Spring Bancorp. Sandy Spring Bancorp is trading at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.
This table compares BOK Financial and Sandy Spring Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Sandy Spring Bancorp||31.98%||11.42%||1.29%|
Volatility & Risk
BOK Financial has a beta of 1.27, meaning that its stock price is 27% more volatile than the S&P 500. Comparatively, Sandy Spring Bancorp has a beta of 0.93, meaning that its stock price is 7% less volatile than the S&P 500.
This is a breakdown of current recommendations for BOK Financial and Sandy Spring Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Sandy Spring Bancorp||0||2||1||0||2.33|
BOK Financial currently has a consensus price target of $110.17, suggesting a potential upside of 12.90%. Sandy Spring Bancorp has a consensus price target of $42.67, suggesting a potential upside of 23.35%. Given Sandy Spring Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Sandy Spring Bancorp is more favorable than BOK Financial.
BOK Financial beats Sandy Spring Bancorp on 9 of the 16 factors compared between the two stocks.
About BOK Financial
BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through consumer branch network; and engages in the mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.
About Sandy Spring Bancorp
Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank that provides commercial and retail banking, mortgage, private banking, and trust services to individuals and businesses. It operates through three segments: Community Banking, Insurance, and Investment Management. The Community Banking segment offers financial products and services, including various loan and deposit products. Its loan products include commercial real estate loans, commercial construction loans, and other commercial loans; residential real estate loans; and consumer loans comprising home equity loans and lines, installment loans, and personal lines of credit. The Insurance segment provides general insurance agency services and annuities, such as commercial, personal, and medical liability lines. The Investment Management segment offers investment management and financial planning, including cash flow analysis, investment review, tax and retirement planning, insurance analysis, and estate planning to individuals, families, small businesses, and associations. It also provides personal trust and wealth management services. The company operates a network of approximately 50 locations in Maryland, Northern Virginia, and Washington D.C. Sandy Spring Bancorp, Inc. was founded in 1868 and is headquartered in Olney, Maryland.
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