Comparing Sberbank of Russia (OTCMKTS:SBRCY) & QCR (NASDAQ:QCRH)

QCR (NASDAQ:QCRH) and Sberbank of Russia (OTCMKTS:SBRCY) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk.

Analyst Ratings

This is a summary of recent ratings for QCR and Sberbank of Russia, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
QCR	0	0	3	0	3.00
Sberbank of Russia	0	0	0	0	0.00

QCR presently has a consensus price target of $76.00, suggesting a potential downside of 6.98%. Given QCR’s stronger consensus rating and higher possible upside, equities analysts clearly believe QCR is more favorable than Sberbank of Russia.

Dividends

QCR pays an annual dividend of $0.24 per share and has a dividend yield of 0.3%. Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. QCR pays out 3.5% of its earnings in the form of a dividend.

Earnings and Valuation

This table compares QCR and Sberbank of Russia”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
QCR	$350.01 million	3.94	$113.56 million	$6.89	11.86
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A

Sberbank of Russia has higher revenue and earnings than QCR.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
QCR	19.25%	12.92%	1.36%
Sberbank of Russia	40.80%	21.45%	2.97%

Volatility and Risk

QCR has a beta of 0.96, meaning that its stock price is 4% less volatile than the S&P 500. Comparatively, Sberbank of Russia has a beta of 1.56, meaning that its stock price is 56% more volatile than the S&P 500.

Institutional and Insider Ownership

70.0% of QCR shares are owned by institutional investors. Comparatively, 0.1% of Sberbank of Russia shares are owned by institutional investors. 3.7% of QCR shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Sberbank of Russia beats QCR on 8 of the 14 factors compared between the two stocks.

About QCR

QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company’s deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company’s loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, it engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.

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.