Sberbank of Russia (OTCMKTS:SBRCY) & Colony Bankcorp (NASDAQ:CBAN) Critical Review

Sberbank of Russia (OTCMKTS:SBRCY) and Colony Bankcorp (NASDAQ:CBAN) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, analyst recommendations, dividends, earnings and profitability.

Earnings & Valuation

This table compares Sberbank of Russia and Colony Bankcorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A
Colony Bankcorp	$121.88 million	2.45	$23.87 million	$1.58	10.84

Sberbank of Russia has higher revenue and earnings than Colony Bankcorp.

Dividends

Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. Colony Bankcorp pays an annual dividend of $0.46 per share and has a dividend yield of 2.7%. Colony Bankcorp pays out 29.1% of its earnings in the form of a dividend. Colony Bankcorp has increased its dividend for 7 consecutive years.

Profitability

This table compares Sberbank of Russia and Colony Bankcorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sberbank of Russia	40.80%	21.45%	2.97%
Colony Bankcorp	13.51%	9.64%	0.85%

Insider & Institutional Ownership

0.1% of Sberbank of Russia shares are owned by institutional investors. Comparatively, 50.4% of Colony Bankcorp shares are owned by institutional investors. 6.6% of Colony Bankcorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and recommmendations for Sberbank of Russia and Colony Bankcorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sberbank of Russia	0	0	0	0	0.00
Colony Bankcorp	0	0	1	0	3.00

Colony Bankcorp has a consensus price target of $21.00, indicating a potential upside of 22.63%. Given Colony Bankcorp’s stronger consensus rating and higher possible upside, analysts plainly believe Colony Bankcorp is more favorable than Sberbank of Russia.

Risk and Volatility

Sberbank of Russia has a beta of 1.56, indicating that its share price is 56% more volatile than the S&P 500. Comparatively, Colony Bankcorp has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.

Summary

Sberbank of Russia beats Colony Bankcorp on 8 of the 15 factors compared between the two stocks.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.

About Colony Bankcorp

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.