Head-to-head poll: Zions Bancorporation, National Association (NASDAQ: ZION) and Ballston Spa Bancorp (OTCMKTS: BSPA)


Zions Bancorporation, National Association (NASDAQ: ZIONGet a rating) and Ballston Spa Bancorp (OTCMKTS: BSPAGet a rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on earnings strength, analyst recommendations, valuation, institutional ownership, dividends, profitability and risk.

Risk and Volatility

Zions Bancorporation, National Association has a beta of 1.29, which means its stock price is 29% more volatile than the S&P 500. In comparison, Ballston Spa Bancorp has a beta of -0.2, which means that its price is 120% less volatile than the S&P 500.

Insider and Institutional Ownership

82.2% of the shares of Zions Bancorporation, National Association are held by institutional investors. By comparison, 2.4% of Ballston Spa Bancorp’s shares are held by institutional investors. 1.8% of the shares of Zions Bancorporation, National Association are held by insiders of the company. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock is ripe for long-term growth.

Dividends

Zions Bancorporation, National Association pays an annual dividend of $1.52 per share and has a dividend yield of 2.9%. Ballston Spa Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.4%. Zions Bancorporation, National Association pays 24.8% of its profits as a dividend. Zions Bancorporation, National Association has increased its dividend for 5 consecutive years. Zions Bancorporation, National Association is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares the net margins, return on equity and return on assets of Zions Bancorporation, National Association and Ballston Spa Bancorp.

Net margins Return on equity return on assets
Zions Bancorporation, National Association 34.40% 14.53% 1.12%
Ballston Spa Bancorp N / A N / A N / A

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Zions Bancorporation, National Association, and Ballston Spa Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Zions Bancorporation, National Association $2.97 billion 2.65 $1.13 billion $6.14 8.47
Ballston Spa Bancorp N / A N / A N / A N / A N / A

Zions Bancorporation, National Association has higher revenue and profit than Ballston Spa Bancorp.

Analyst Recommendations

This is a breakdown of recent ratings from Zions Bancorporation, National Association and Ballston Spa Bancorp, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Zions Bancorporation, National Association 1 9 6 0 2.31
Ballston Spa Bancorp 0 0 0 0 N / A

Zions Bancorporation, National Association currently has a consensus target price of $71.50, indicating a potential upside of 37.53%. Considering Zions Bancorporation, National Association’s highest possible advantage, research analysts clearly believe that Zions Bancorporation, National Association is more favorable than Ballston Spa Bancorp.

Summary

Zions Bancorporation, National Association beats Ballston Spa Bancorp on 11 of 12 factors compared between the two stocks.

Zions Bancorporation, National Association Corporate Profile (Get a rating)

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington and Wyoming. The company offers business banking services; commercial banking, including small and medium enterprises; commercial real estate banking services; municipal and public finance departments; retail banking, including residential mortgages; fiduciary services; wealth management and personal banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, including 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Company Profile Ballston Spa Bancorp (Get a rating)

Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank which provides a range of banking, finance, trust, brokerage and other financial services to businesses, municipalities and individuals in the United States. The company offers individual checking, savings, money market, health savings and retirement accounts, as well as certificates of deposit; lending products, such as mortgages and real estate, construction, auto, boat, RV, personal, small business, term and commercial real estate loans, and lines of credit and government programs; and debit and credit cards. It also provides personal investment services, which include annuities, education savings plans, mutual funds, and life insurance and long-term care products; investment and asset management; curatorship; estate settlement; guardian; and wealth management services. Additionally, the company offers cash management services; and merchant and payment processing services, as well as online and mobile banking, e-statements and mobile wallets. It operates through thirteen branches in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville and Wilton counties. The company was founded in 1838 and is based in Ballston Spa, New York.



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