Regions Financial (NYSE:RF) & GrandSouth Bancorporation (OTCMKTS:GRRB) Financial Contrast

Regions Financial (NYSE:RF) and GrandSouth Bancorporation (OTCMKTS:GRRB) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Analyst Ratings

This is a breakdown of current ratings and target prices for Regions Financial and GrandSouth Bancorporation, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Regions Financial	1	8	9	0	2.44
GrandSouth Bancorporation	0	0	0	0	0.00

Regions Financial currently has a consensus price target of $28.19, suggesting a potential upside of 17.16%. Given Regions Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe Regions Financial is more favorable than GrandSouth Bancorporation.

Profitability

This table compares Regions Financial and GrandSouth Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Regions Financial	22.49%	13.05%	1.40%
GrandSouth Bancorporation	N/A	N/A	N/A

Insider and Institutional Ownership

79.4% of Regions Financial shares are held by institutional investors. 0.3% of Regions Financial shares are held by company insiders. Comparatively, 33.3% of GrandSouth Bancorporation shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Regions Financial and GrandSouth Bancorporation”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Regions Financial	$9.37 billion	2.29	$1.89 billion	$2.27	10.60
GrandSouth Bancorporation	N/A	N/A	N/A	N/A	N/A

Regions Financial has higher revenue and earnings than GrandSouth Bancorporation.

Summary

Regions Financial beats GrandSouth Bancorporation on 8 of the 9 factors compared between the two stocks.

About Regions Financial

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. It also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. The company was founded in 1971 and is headquartered in Birmingham, Alabama.

About GrandSouth Bancorporation

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.