Shore Community Bank (OTCMKTS:SHRC) and Capital One Financial (NYSE:COF) Head-To-Head Analysis

Capital One Financial (NYSE:COF) and Shore Community Bank (OTCMKTS:SHRC) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, dividends, institutional ownership, profitability and earnings.

Earnings & Valuation

This table compares Capital One Financial and Shore Community Bank’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Capital One Financial	$49.48 billion	1.12	$4.89 billion	$11.95	12.21
Shore Community Bank	N/A	N/A	N/A	N/A	N/A

Capital One Financial has higher revenue and earnings than Shore Community Bank.

Analyst Ratings

This is a breakdown of current recommendations for Capital One Financial and Shore Community Bank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Capital One Financial	2	11	6	0	2.21
Shore Community Bank	0	0	0	0	N/A

Capital One Financial presently has a consensus target price of $137.05, suggesting a potential downside of 6.08%. Given Capital One Financial’s higher possible upside, analysts clearly believe Capital One Financial is more favorable than Shore Community Bank.

Institutional and Insider Ownership

89.8% of Capital One Financial shares are owned by institutional investors. 1.3% of Capital One Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Capital One Financial and Shore Community Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Capital One Financial	9.88%	9.24%	1.08%
Shore Community Bank	N/A	N/A	N/A

Summary

Capital One Financial beats Shore Community Bank on 8 of the 8 factors compared between the two stocks.

About Capital One Financial

Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. The company was founded in 1988 and is headquartered in McLean, Virginia.

About Shore Community Bank

Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey. The company's deposit products include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market accounts, visa/mastercard merchant deposit accounts, and payroll/direct deposit accounts. Its loan portfolio comprises personal, home equity, term, and demand loans; lines of credit; letters of credit; commercial mortgages; and construction lending. The company also offers direct deposit and electronic transfer, wire transfer, ACH origination, night depository, tenant rent security, signature guarantee, remote deposit, notary, and automated asset management services; safe deposit boxes, escrow accounts, and debit cards, as well as online and telephone banking services. As of April 28, 2016, it operated five banking offices located in Toms River, Jackson, and Manahawkin, New Jersey. Shore Community Bank was incorporated in 1996 and is headquartered in Toms River, New Jersey.