Head to Head Review: BEO Bancorp (OTCMKTS:BEOB) & CVB Financial (NASDAQ:CVBF)

BEO Bancorp (OTCMKTS:BEOB) and CVB Financial (NASDAQ:CVBF) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, earnings, risk, valuation and dividends.

Earnings & Valuation

This table compares BEO Bancorp and CVB Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BEO Bancorp	$57.76 million	1.94	$16.49 million	N/A	N/A
CVB Financial	$684.59 million	3.86	$200.72 million	$1.45	13.21

CVB Financial has higher revenue and earnings than BEO Bancorp.

Dividends

BEO Bancorp pays an annual dividend of $1.25 per share and has a dividend yield of 1.4%. CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 4.2%. CVB Financial pays out 55.2% of its earnings in the form of a dividend.

Risk & Volatility

BEO Bancorp has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500. Comparatively, CVB Financial has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500.

Institutional and Insider Ownership

74.2% of CVB Financial shares are held by institutional investors. 6.1% of CVB Financial shares are held 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 BEO Bancorp and CVB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BEO Bancorp	N/A	N/A	N/A
CVB Financial	30.99%	9.21%	1.33%

Analyst Ratings

This is a summary of current recommendations and price targets for BEO Bancorp and CVB Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BEO Bancorp	0	0	0	0	0.00
CVB Financial	0	2	2	0	2.50

CVB Financial has a consensus target price of $23.25, suggesting a potential upside of 21.35%. Given CVB Financial’s stronger consensus rating and higher probable upside, analysts plainly believe CVB Financial is more favorable than BEO Bancorp.

Summary

CVB Financial beats BEO Bancorp on 13 of the 14 factors compared between the two stocks.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.

About CVB Financial

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.