Entegra Financial (NASDAQ: ENFC) and Lakeland Financial (NASDAQ:LKFN) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, profitability, institutional ownership, analyst recommendations, risk, earnings and dividends.
This table compares Entegra Financial and Lakeland Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Lakeland Financial pays an annual dividend of $0.88 per share and has a dividend yield of 1.8%. Entegra Financial does not pay a dividend. Lakeland Financial pays out 37.9% of its earnings in the form of a dividend.
Valuation & Earnings
This table compares Entegra Financial and Lakeland Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Entegra Financial||$48.37 million||4.14||$6.37 million||$1.33||21.99|
|Lakeland Financial||$171.82 million||7.11||$52.08 million||$2.32||20.90|
Lakeland Financial has higher revenue and earnings than Entegra Financial. Lakeland Financial is trading at a lower price-to-earnings ratio than Entegra Financial, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Entegra Financial has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Lakeland Financial has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500.
Insider and Institutional Ownership
46.1% of Entegra Financial shares are held by institutional investors. Comparatively, 70.0% of Lakeland Financial shares are held by institutional investors. 3.9% of Entegra Financial shares are held by insiders. Comparatively, 5.0% of Lakeland Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This is a summary of recent ratings and recommmendations for Entegra Financial and Lakeland Financial, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Entegra Financial currently has a consensus price target of $29.50, indicating a potential upside of 0.85%. Lakeland Financial has a consensus price target of $49.50, indicating a potential upside of 2.08%. Given Lakeland Financial’s higher probable upside, analysts clearly believe Lakeland Financial is more favorable than Entegra Financial.
Lakeland Financial beats Entegra Financial on 12 of the 16 factors compared between the two stocks.
Entegra Financial Company Profile
Entegra Financial Corp. is the holding company for Entegra Bank. The Company provides a range of financial services through full-service offices located in Cherokee, Henderson, Jackson, Macon, Polk and Transylvania counties, North Carolina and Anderson, Greenville, and Spartanburg counties, South Carolina. It provides full service retail and commercial banking products, as well as wealth management services through a third party. It operates through retail banking segment. Entegra Bank is a chartered savings bank. The Bank’s business consists primarily of accepting deposits from individuals and small businesses and investing those deposits, together with funds generated from operations and borrowings, primarily in loans secured by real estate, including commercial real estate loans, one- to four-family residential loans, construction loans, and home equity loans and lines of credit. It also originates commercial business loans and invests in investment securities.
Lakeland Financial Company Profile
Lakeland Financial Corporation is a bank holding company. The Company, through its subsidiary, Lake City Bank (the Bank), provides an array of products and services throughout its Northern and Central Indiana markets. It offers commercial and consumer banking services, as well as trust and wealth management, brokerage, investment and treasury management commercial services. It serves a range of industries, including commercial real estate, manufacturing, agriculture, construction, retail, wholesale, finance and insurance, accommodation and food services, and healthcare. The Bank’s activities cover all phases of commercial banking, including deposit products, commercial and consumer lending, retail and merchant credit card services, corporate treasury management services, and wealth advisory, trust and brokerage services. It provides financial services through the Bank, with approximately 50 branch offices in 15 counties in Northern and Central Indiana.
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