Comparing Crédit Agricole (OTCMKTS:CRARY) & JSB Financial (OTCMKTS:JFWV)

JSB Financial (OTCMKTS:JFWVGet Free Report) and Crédit Agricole (OTCMKTS:CRARYGet Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, profitability, analyst recommendations, risk and valuation.

Institutional and Insider Ownership

0.1% of JSB Financial shares are owned by institutional investors. Comparatively, 0.6% of Crédit Agricole shares are owned by institutional investors. 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.

Profitability

This table compares JSB Financial and Crédit Agricole’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
JSB Financial N/A N/A N/A
Crédit Agricole 24.32% 8.49% 0.29%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for JSB Financial and Crédit Agricole, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
JSB Financial 0 0 0 0 N/A
Crédit Agricole 1 0 0 0 1.00

Valuation and Earnings

This table compares JSB Financial and Crédit Agricole’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
JSB Financial N/A N/A $3.00 million N/A N/A
Crédit Agricole $27.25 billion 1.65 $6.37 billion $1.01 7.35

Crédit Agricole has higher revenue and earnings than JSB Financial.

Dividends

JSB Financial pays an annual dividend of $2.40 per share and has a dividend yield of 3.2%. Crédit Agricole pays an annual dividend of $0.42 per share and has a dividend yield of 5.7%. Crédit Agricole pays out 41.6% of its earnings in the form of a dividend.

Volatility and Risk

JSB Financial has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500. Comparatively, Crédit Agricole has a beta of 1.53, meaning that its stock price is 53% more volatile than the S&P 500.

Summary

Crédit Agricole beats JSB Financial on 9 of the 10 factors compared between the two stocks.

About JSB Financial

(Get Free Report)

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

About Crédit Agricole

(Get Free Report)

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France, Italy, rest of Europe, and internationally. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking – LCL; and International Retail Banking segments. The company offers banking products and services, including savings, current, and money market accounts and deposits; finance, payment, and cash flow management services; consumer finance products; and banking and specialized financial services. It also provides wealth management services comprising a range of savings and investment solutions in traditional or real assets; and savings/retirement, death and disability/creditor/group, and property and casualty insurance products. 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; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.

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