Head to Head Survey: JSB Financial (OTCMKTS:JFWV) and Banco BBVA Argentina (NYSE:BBAR)

JSB Financial (OTCMKTS:JFWV) and Banco BBVA Argentina (NYSE:BBAR) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, risk, dividends, institutional ownership and profitability.

Volatility and Risk

JSB Financial has a beta of 0.58, indicating that its stock price is 42% less volatile than the S&P 500. Comparatively, Banco BBVA Argentina has a beta of 1.2, indicating that its stock price is 20% more volatile than the S&P 500.

Institutional & Insider Ownership

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

Earnings and Valuation

This table compares JSB Financial and Banco BBVA Argentina”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
JSB Financial	N/A	N/A	$4.10 million	$15.95	6.07
Banco BBVA Argentina	$3,432.25 billion	0.00	$596.06 million	$1.63	10.94

Banco BBVA Argentina has higher revenue and earnings than JSB Financial. JSB Financial is trading at a lower price-to-earnings ratio than Banco BBVA Argentina, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings for JSB Financial and Banco BBVA Argentina, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
JSB Financial	0	0	0	0	0.00
Banco BBVA Argentina	0	0	1	0	3.00

Banco BBVA Argentina has a consensus price target of $27.00, suggesting a potential upside of 51.35%. Given Banco BBVA Argentina’s stronger consensus rating and higher possible upside, analysts plainly believe Banco BBVA Argentina is more favorable than JSB Financial.

Profitability

This table compares JSB Financial and Banco BBVA Argentina’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
JSB Financial	N/A	N/A	N/A
Banco BBVA Argentina	6.09%	12.21%	2.75%

Dividends

JSB Financial pays an annual dividend of $2.50 per share and has a dividend yield of 2.6%. Banco BBVA Argentina pays an annual dividend of $1.43 per share and has a dividend yield of 8.0%. JSB Financial pays out 15.7% of its earnings in the form of a dividend. Banco BBVA Argentina pays out 87.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Summary

Banco BBVA Argentina beats JSB Financial on 11 of the 14 factors compared between the two stocks.

About JSB Financial

JSB Financial Inc. operates as the bank holding company for Jefferson Security Bank that provides various banking products and services to individuals, agricultural businesses, small and medium-sized businesses, local government entities, and non-profit organizations. It accepts various deposit products, such as checking, savings, money market, individual retirement, overdraft protection, and sweep accounts, as well as certificates of deposit. The company's loan portfolio includes personal and vehicle, mortgage, construction, commercial, and home equity loans. It also offers ATM, online and mobile banking, bill pay, paperless statements, cash management, remote deposit capture, merchant, and credit and debit card services. The company was founded in 1869 and is headquartered in Shepherdstown, West Virginia.

About Banco BBVA Argentina

Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.