Analyzing Sberbank of Russia (OTCMKTS:SBRCY) & MVB Financial (NASDAQ:MVBF)

Sberbank of Russia (OTCMKTS:SBRCY) and MVB Financial (NASDAQ:MVBF) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, dividends, institutional ownership, analyst recommendations, earnings and valuation.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Sberbank of Russia and MVB Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sberbank of Russia	0	0	0	0	N/A
MVB Financial	0	1	2	0	2.67

MVB Financial has a consensus target price of $25.00, indicating a potential upside of 23.76%. Given MVB Financial’s higher possible upside, analysts clearly believe MVB Financial is more favorable than Sberbank of Russia.

Dividends

Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. MVB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.4%. MVB Financial pays out 36.4% of its earnings in the form of a dividend.

Earnings and Valuation

This table compares Sberbank of Russia and MVB Financial”s 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
MVB Financial	$209.53 million	1.25	$31.23 million	$1.87	10.80

Sberbank of Russia has higher revenue and earnings than MVB Financial.

Profitability

This table compares Sberbank of Russia and MVB Financial’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%
MVB Financial	9.28%	7.08%	0.60%

Volatility & Risk

Sberbank of Russia has a beta of 1.56, meaning that its stock price is 56% more volatile than the S&P 500. Comparatively, MVB Financial has a beta of 1.06, meaning that its stock price is 6% more volatile than the S&P 500.

Institutional and Insider Ownership

0.1% of Sberbank of Russia shares are owned by institutional investors. Comparatively, 52.7% of MVB Financial shares are owned by institutional investors. 11.1% of MVB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Sberbank of Russia beats MVB Financial on 8 of the 13 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 MVB Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.