Analyzing VersaBank (NASDAQ:VBNK) and PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY)

VersaBank (NASDAQ:VBNK) and PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, profitability, analyst recommendations and dividends.

Analyst Recommendations

This is a summary of recent recommendations and price targets for VersaBank and PT Bank Mandiri (Persero) Tbk, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
VersaBank	0	0	3	1	3.25
PT Bank Mandiri (Persero) Tbk	0	0	0	0	0.00

VersaBank presently has a consensus price target of $19.00, indicating a potential upside of 15.08%. Given VersaBank’s stronger consensus rating and higher possible upside, research analysts clearly believe VersaBank is more favorable than PT Bank Mandiri (Persero) Tbk.

Institutional and Insider Ownership

56.9% of VersaBank shares are held by institutional investors. Comparatively, 0.0% of PT Bank Mandiri (Persero) Tbk shares are held by institutional investors. 5.3% of VersaBank shares are held by company insiders. Comparatively, 0.0% of PT Bank Mandiri (Persero) Tbk shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares VersaBank and PT Bank Mandiri (Persero) Tbk”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
VersaBank	$176.45 million	2.43	$31.26 million	$1.30	12.70
PT Bank Mandiri (Persero) Tbk	$8.58 billion	4.33	$2.79 billion	N/A	N/A

PT Bank Mandiri (Persero) Tbk has higher revenue and earnings than VersaBank.

Volatility & Risk

VersaBank has a beta of 0.76, indicating that its share price is 24% less volatile than the S&P 500. Comparatively, PT Bank Mandiri (Persero) Tbk has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500.

Dividends

VersaBank pays an annual dividend of $0.07 per share and has a dividend yield of 0.4%. PT Bank Mandiri (Persero) Tbk pays an annual dividend of $0.66 per share and has a dividend yield of 4.2%. VersaBank pays out 5.4% of its earnings in the form of a dividend.

Profitability

This table compares VersaBank and PT Bank Mandiri (Persero) Tbk’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
VersaBank	16.24%	11.85%	1.07%
PT Bank Mandiri (Persero) Tbk	N/A	N/A	N/A

Summary

VersaBank beats PT Bank Mandiri (Persero) Tbk on 9 of the 15 factors compared between the two stocks.

About VersaBank

VersaBank provides various banking products and services in Canada and the United States. It offers deposit products, such as web-based chequing accounts, guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as well as deposit insurance products. The company also provides lending services, including point of sale financing that covers purchasing loan and lease receivables from finance companies operating in various industries; commercial banking services comprising commercial real estate, public sector/infrastructure financing, and condominium financing; and residential mortgages. In addition, it offers cybersecurity services. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.

About PT Bank Mandiri (Persero) Tbk

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. The company operates through Wholesale and Retail segments. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bonds; life, health, and accident insurance products; credit, debit, and corporate cards; digital banking; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.